no, I am not taking on more debt on top of what I have. I am going to completely pay off all my current debt ($700/month in payments). when my debt is paid off (early spring) I have no problem with taking out 1 single personal loan with a $300/month payment. I don't mind having that payment because a lot of people out there make car payments, but I just have this. and now I've learned to discipline myself to take on ONE loan and no credit cards, and that's fine. If I was working at a grocery store, then I could see the $300/month hurting me, but I am making more than enough to support that kind of payment and still able to put some decent $$ in the bank. I am just looking for a little direction as to what I should do with the motor and turbos.