A lot of people here hit the nail on the door. It's all about monthly costs for misc. things. Here's my advice: After you've covered your estimated payments on monthly insurance for a specific car, gas and what parts may need replacing, by yourself a "beater" RS. At 700 a month, save up a couple of thousands for either a good down payment that will leave you with low payments or paying out right. It's still a Subaru and a respectable one. With little to no car payments, you can do a turbo engine swap and vuala, a beater that beats... things. Best of luck!