Will the RX-7 last a few years yet? Sell the SUV and drive the RX-7. Put the payments you would've been making into a high interest bank account. When you have enough to buy the Z with cash, get it. Now figure out the interest your saving by not taking out a car loan to buy the Z and use THAT to buy your wife something nice (or spread it on the floor and roll in it while laughing maniacally about how you've bucked the system and stuck it to 'the man').
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