No, not stupid at all. I can completely afford the car I have and would have been able to afford to buy as well, but I know for a fact I will want a new car in 2 years because I always do. When that happens my car will have a residual value of $13,000 and the way mazdas hold their value, I would be willing to bet it is still worth $15k when I trade it. Hell, even the old body style 3 year old version of my car is currently valued at $14,000, and that's the old body style which depreciates immediately when a new generation comes out.