0. I didn't read the whole thread. Sorry!
1. Wait until you actually HAVE the money and can afford it if, say, you lose your job next month or whatever deal is going down ends up tanking. (To me, a raise is never a raise until I have it signed and in hand.)
2. If the scenario includes any question about a mortgage, then you deal with the mortgage first. Your house is good debt, and an appreciative asset. Your car, even a GTR, is not good debt and likely will depreciate some.
Deal with the mortgage that you have currently, then look at bad debt.
But financially, it's really only business between you and your advisor/loan agent, so if you can afford it, feel free. I certainly won't judge any decision if you can afford it.
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