Once you have reached step seven of the financial order of operations, saving 25% of your gross income, and are in the hyper-accumulation phase, you have the freedom to spend your hobby money on a car payment if you wish, as long as you have checked all the other boxes, but skipping essential steps is not advisable for long-term wealth building.

Check out our 20/3/8 hub, and check out our car affordability calculator to help you make your next car purchase!