Just think how much fun it will be when you get fired for not coming to work for a week because your car is broken down and you have no money or way to get it to a shop. Then you'll have to have it towed to the shop and then get fixed, then sit there for another 2 weeks while you wait for the backpay paycheck to come in so you can pay the mechanic to release your car.... yea. That'll quickly halt any kind of upgrades for a long while.

It did for me! Once I realized that my car is in such bad shape, that anything could go and I'd be fucked.