Please, if all you know about Personal Finance is from r/Personalfiance, stop posting.

Money is Math. There are no "emotions", "splurging" and "treating yo self", in the early days and if you really want to get ahead.

There is no scenario in which a multi-year car payment with INTEREST is "good"/"better" than paying for an equivalent car in Cash.

Get your emotions out of your money, or you will be broke forever.