Hey People, I've never posted stuff like this on the forum, but thought I'd get some input beyond my fam (who thinks it's negative decision anyway). I've been looking for a specific type of Jeep for around 4 months, I lived, breathed, ate, Jeeps for like 4 months. And tomorrow is the day I should be picking it up.. Here is the situation: I know you guys aren't financial advisers..but..I don't know if I'm too high over my head for doing this. Me and the seller has not discussed the pricing yet, I know he mentioned something about the KBB. I'm looking at from anywhere 13K-15K by the end w/ TTL. I had plans to cash pay this vehicle with my own savings. My family said that I could take the cash to a bank, put it in a CD, and borrow the same amount against the CD and the interest would be only a few percent higher than the CD rates. Things have totally changed since my fam did banking - despite locking up my own money, the bank is still looking at anywhere from 9%-18%. So that is out, as I refuse to pay that much interest esp. if I'm securing it w/ my own money. So, if I buy this Jeep, I'm looking at taking out a large sum from my savings and possibly never seeing it again. A couple years ago - I know I could have replaced it. My job was great (I still do the samething but pay is radically different now). The economy is bad, I'm not making anywhere near what I use to. I am now going back to school and still working part time. Some months I pull from savings to cover bills or tuition. I don't at this point see a time where I can be paying myself back into savings for this loan. I'll just put the bottom line out there: If you have $89K in savings...current job isn't good, going back to school, etc, is buying this Jeep foolish? I know you're saying, why think of all this now, lol - if they guy would have sold it to me when I wanted last week, lol - I wouldn't had this entire week to think about all the seriousness, lol. Last night I was reading on the economy and jobs, and it's scary! And I'm thinking twice now. It's like the shzz my family has been trying to say for past 4 months finally sunk in. The Jeep would be a 2nd vehicle (I drive an older truck). This is more a "want" than a requirement. I have no debt - no credit cards, no car loans, no mortgage. Thoughts?