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Leverage and debt are fine in varying degrees and in some cases are a necessity. Nothing wrong with that. If OP didn't have a car and needs to get to work, etc. then taking on some debt is no big deal. However, ethics and personal life choices aside, leveraging oneself into a luxury sports car that costs about a years net salary and then wanting to buy $13k worth of parts for it while it's still not even paid for is pretty irrational if that $13k roughly amounts to your liquid net worth.
It's not so much about saving and then buying to avoid the interest costs, which is smart, but avoiding a lifestyle that can't be sustained.
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