My policy is to "spend it on the plot". A fancy car does not affect the plot. In fact it limits your options because you're now saddled to those monthly payment

My policy is to "spend it on the plot". A fancy car does not affect the plot. In fact it limits your options because you're now saddled to those monthly payments. I chuckle when I see people throw 6-9 months of post-tax income at an adventure motorcycle, only to ride it around town on the weekends. With that sort of money you could take a few months off and go on a proper adventure. I know someone who just threw a five digit amount at a newer camping van. Now she can't take time off because she's paying for it. That could have financed a nice road trip. And those are still arguably functional purchases. Throwing 700$/month at a regular car for regular driving is absurd.