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I'm sure the culture is very different in terms of living arrangements out there. Here in the US it is frowned upon if you live with your parents past high school or college. Here owning a house is part of the "American dream" so that's why you see a lot of people talking about getting a house first. But you know what, no matter where you live, you're much better off owning the land than renting off somebody else, even your parents.
With that being said, if the majority of the people in your age bracket still live with parents and may do so indefinitely, then its up to you what you do. But a car is a depreciating asset, if that's your biggest asset, you will be continually losing money on it. Then you will get tired of it when the next hot thing comes out and you'll have to start saving all over. So consider this before buying. You will rarely get to use the ZL1's power as well so if it is going to be your daily driver and you don't plan on racing it on a track, maybe it's better to get the SS or LT and modding the body to make it look really nice.
And another thing. You're 22. Even though you've been on the road for 4 years, you still aren't THAT experienced. Having such a powerful car and being full of youthful testosterone and lack of experience is a dangerous combination. You will have to use restraint that you have never thought possible, just not to do stupid crap on the road. It'll hurt waaay more if you wreck a 50k car versus a 30k car.
But really, if the ZL1 is what you really really want, and you're sure you may not want the next hot thing in a few years, by all means buy it. Respect the car and it's power and enjoy it!
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