[Rick Parker]

jwd:

Evidently you have planned very well or had some opportunities that others may not have. That's very good, my hats off to you. However most people have to finance major purchases, which one of our cars or any car for that matter would be. Finance charges are the price of admission. No one puts a gun to your head when you buy one of these cars, we all have different motives and desires. Some have the assets to qualify for the loan, others do not. I agree with ROKINDAD, do your research (as he is attempting to do) and if it's DOABLE, go forward and forever live with your decision.
It's not our place to pass judgement on the wants and desires of mkuhlwein. He is experiencing the desire to achieve a goal just like you did, by his own means.