[sik68]

Turbostang, I am also 29 with a project car I've also owned for over a decade. Some of my gearhead friends growing up decided put their lives on hold to be able to finish their cars...I talk with them now and, yeah their cars are cool and all, but I don't envy their financial positions or general position in life one bit.

Pragmatically, the size of the loan you're talking about is not too bad...basically an average new car loan. So maybe financially it feels "normal" to take out this loan. But the payments will be around far longer than the warm and fuzzy feelings of getting shiny new parts in the mail. Happiness is freedom, and a lifestyle loan like this takes away your financial freedom.

Find another way to "finance" your build... set aside money each month, start a revenue generating side project, take a class or two that will improve your upward mobility/pay in the long run.