My parents bought me my first Z (240Z) when I was 21, I bought several more between then and 1982 after I got a job ($18,000/year) and that was when interest rates were between 12% and 17% - I'd sell the previous Z just as the balloon payment would come due. That house of cards came to a screeching halt when we bought a house and had our first kid - I sold the 280ZX Turbo for a Honda Civic. I drove GMC pickups for the next several years because by the time I could afford a third car, I was paying for the cars I bought for my children just like my parents did. So I bought my most recent Z when I was 60.
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