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Here is my story and then my recommendation.
I bought my FRS 1 year after graduating from graduate school. I had student loans, a tC (paid for), and an 07 CBR 600RR (paid for). I really wanted the FRS so I bought it. Got new grad discount and employee discount through a family member.
Going back. I should have kept the tC and the bike. Held on buying the FRS until my student loans were paid off. Not having a car payment is beautiful. Now, I have the FRS only. Sold the tC and bike to buy my fiancee's ring. Student loans will be finished in 6 months or so. FRS will be paid off in 3 years. APR is 2.4%. I can make larger payments toward the FRS when student loans are done to pay off the FRS quicker. That low of an interest rate does not bother me in terms of making the minimum payment.
If you have 0% APR then you have nothing to worry about at 50k per year. As long as you don't have student loans. And you sell the bimmer and bike. Don't modify your car until it's paid off. It's not worth the headache if something happens. Dealerships will find anything to use against you. Just tint the windows and leave it that for the time being.
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