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[quote=Anonymous][quote=Anonymous]OP here again: thanks for the advice so far! Although I have access to a decent public transit system to get to work M-F, I am starting it realize that I need a car for appointments, grocery shopping etc on the weekends.

I live in a suburb that is fairly close to the city, so it would be challenging for me to use a zip car or get access to one on a regular basis. If I owned a car I wouldn't have to factor in parking costs.

As a young 20 something year old I didn't know I should be putting some money away retirement....I can start now. I have saved up quite a bit of "disposable income" to afford a car, so I am just wondering if it's worth the extra expense or a complete waste of money.[/quote]

You should start saving for retirement ASAP. Google compound interest and retirement savings. I don't have any good numbers specific advice but the younger you start, the more you'll have and the more interest will build.

It sounds like you have a lot to learn about this kind of planning (not trying to be rude, I am mid 20s and have a lot of work to do myself). I'd suggest taking a look at this site: http://www.savingadvice.com/forums/ I find it very helpful.[/quote]

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