> In terms of life ruining decisions, spending close to $100K on a truck and mods is far from the worst. Not the worst? Perhaps technically. That loan payment

> In terms of life ruining decisions, spending close to $100K on a truck and mods is far from the worst. Not the worst? Perhaps technically. That loan payment is going to be an absurd burden on that young adult for a period of time they can barely relate to. Especially if they lose their job for any appreciable amount of time, or encounter other sudden costs (such as rent being jacked up). Remaining employed full time for 7 years at the age of 19 with a wage good enough to make $1500 vehicle payments is... well, I would have failed that test.