you starting to drive for uber or lyft? perhaps “nice car” will make a difference.
you mention you are on a budget, should we assume you stick to your budget? if you do, figure out where to trim to accommodate this expense. when you go through this excercise I expect you will come back with additional questions such as, is it worth spending my rent money on car loan, or should my desire for a nice car outweight the need for my wife to eat three meals a day? we’d be happy to share our opinions with you.