I'm one of the "how was I able to afford all this?" group, bought my Titan when I was 23 and in grad school. How I managed to make all my payments continues to boggle me but once I finshed (3 years later!), I landed a good engineering job at the lazy B and, combined with sharing rent with my GF at the time, managed to pay the T off when I was 27. Turns out I couldn't get used to not having a car payment so 2 years later, bought the Z instead of putting a 35K-ish dent in all the student loans. Insurance ain't too bad, 950 for 6 months for full coverage on both, spotless record. Turning 31 soon, can't wait to buy my own booze...oh wait....holy crap, has it been 10 years already???!?!