1) I'm not married (never have been) and have no kids (that I'm aware of any way) so....
If you ask God to help you find the right lady to marry, you will be blessed and happier than you could ever imagine.
2) It appears you are having some difficulty comprehending or perhaps you simply disagree with my earlier comment that a Challenger COULD make you happier in life than you could ever imagine. For people who eat, drink, sleep, breathe and crap cars that comment is not too far off. Furthermore, I would have thought that someone such as yourself with 2,539 posts (and counting) in the Dodge Challenger forum could certainly understand and appreciate my fondness for such a great automobile and the need to do whatever it takes to get one. Even if that means "biting off more than you can chew". But maybe I'm mistaken...
I only have that many posts because I have been on this forum for since 3 days after it's inception which was 2 years ago. I am sure you will have many after 2 years.
Rich people know that material things do not make you happy and we poor people should realize that also. Happiness is how you feel externally, joy is how you feel internally. I get both of those from God, family, and friends and my relationships with all of those.
3) My suggestion of needing to earn a minimum of $55K annually to be able to comfortably afford this car was clearly prefaced by the statement that it was based on absolutely zero scientific research or fact. However, I don't care how you live your life and how careful you are with personal expenditures, someone making $35K a year or whatever, ain't gonna be drivin a 2008 V8 Challenger unless they have a trust fund.
My son is 25 years old and he paid off his 2006 Mustang($32K) in 13 months but he saved and planned for this expenditure. I can't think of any worse way to get in debt
that to get a $40K and not be able to buy anything else.
4) Finally, if the kid wants to go out and buy a Challenger I say "go for it"! I would venture to guess I'm not the only one out there who has bitten off more than he can chew on a (car) loan before. It may not be the most financially sound decision one could enter in to (I admit), but for some of us, life isn't all about money and squirreling it all away underneath their mattress. I recommend that you save the planning-for-your-financial-future discussion for another time and place, OK
I already had the financial discussion on this forum way before you ever joined so I do not need to.