You just have to prioritize. I also think it's something called COMMON SENSE.
I did the whole "must have a car" thing, and I went very broke because of it. That happened because I put everything else on hold because I "couldn't wait." That meant putting off college because I needed all the money I could get to pay for a car. Unfortunately, that also meant working at jobs paying less than $10/hr. Heck, when I had my '00 SS, I was making like $7.50/hr and living at home. Talk about a stupid idea.
Now I've realized what I could have at this point if I would have simply put my pleasures off just a little longer. I'm 26 and just in my 2nd semester at school. I have none of the "toys" that I thought would make me happy forever -- but I'm still paying for them! Meanwhile, my friends who did "the right thing" have more now that I did when I jumped right into the "fun" stuff.
Fortunately, I had a great opportunity when I lived in DC, so I could pay almost all of my bills off (sans about $3000) AND I bought my GTO. Of course, moving back to PA and going back to school, I had to prioritize. I still have the funds that I could
go out and get a 5th gen, but I know that I can't right now.
Another thing to take into consideration is if you're struggling just to get a car, how are you going to afford the regular maintenance, gas and insurance? Then it comes down to how are you going to afford to modify the car? Once you get a car and you get around car guys at cruises and stuff, you'll want to start modifying, so don't even say that you'll "leave it stock" -- that's bullcrap.
So, you just have to keep telling yourself that the wait will be worth it. It's very difficult, and it kills me each time I see a car going down the road, or watch something on TV. It's even harder in the spring and summer time when everyone is out at cruises and the track. But, I know I'll have another one when it's SMART to do so. Meanwhile, I will hop on moderncamaro.com and live vicariously through everyone else
My list is:
-Get married in June and go on our honeymoon to the Caribbean.
-Purchase our first home
-Get my 2002 Camaro SS (under $15k purchase)
Those things will be done in 2010 (the SS will happen no later than spring 2011)
-Get a 5th gen Z28
Those should hopefully happen in 2012ish
-Start popping out some kids!