Counting insurance your Z will cost you at least 28 percent of your monthly budget....without kid. Your kid will take that and more when it all adds up. That's pretty tight and leave no margin for unexpected events and other expenses. Hell I have friends that make over 150k per year that drive beaters due to kids in college and mortgages. When you have a wife and kids and your 21. Sometimes sports cars have to wait a bit. But it's your life and your decision.
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