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I'm in the same boat as you, except for I didn't have quite as much money (I got a great deal on a base mustang gt with the 3.73 axle ratio, nothing else). My tip would be don't sell all of the stocks, try to keep those for they will really be useful the older you get. Go with a slightly higher payment and still have money in the bank, so long as you can afford it....I'd also check out the 1ss to save a couple of grand, but that's just me.
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