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Originally Posted by Redjake
I understand where you are coming from, but I still highly emphasize my point of believing that the "real world" isn't simply composed of money and how much you make. It's just one of my pet peeves.
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I'll reword what Cynthetiq said for you then. Welcome to the real world of finance. Welcome to the real world of income. Welcome to the real world of taxes. Welcome to the real world of money. Because if you think you know the real worlds of money, and you're planning on buying a $24,000 car when you're netting that much per year, then you don't know those real worlds yet. Sorry to sound harsh, but Cynthetiq was being nice to you by explaining the harsh realities of these real worlds and you were frankly very rude in your reply.
Your savings budget is pathetic. You need to save 6 months of living expenses before you make any purchases. Minimum. Why? Well that would be the real world of corporate downsizing. You could get fired 3 weeks from now. It's happened, more often than you probably realize. I know an electrical engineer who's EXCELLENT at what he does. Got a job with a company - they fired all but 3 of their engineers a month later. He got the axe too because he was the newest guy. He did great work, didn't deserve it, but it happened anyway, and ONLY because he was smart enough to save money did he survive until he found his next job.
You need to turn that $500/month you were going to put into a car and put it instead into a savings account. That'll give you $800 a month towards savings, so you'll save up 6 months of living expenses pretty quickly. THEN and ONLY then should you be worrying about getting a "nice" car. If you already have a car, drive that for now. It won't kill you. If you don't have a car, get a $3,000 Civic or something and drive that until you can REALLY afford, not just "afford but be on the brink of bankruptcy for 4 years" the car.
That is what Cynthetiq means by the real world.