Originally Posted by [Damnit]
i meant pay it off b4 going crazy and spending unessesary money on a car

Do you have a vague idea of the cost of a home in California?
Try starting out at $800,000 for post-war bulldozer bait.
And it goes well into the millions for the upscale neighborhoods.
$20K doesn't count for much.
----
Back on topic:
yellowbastard---
Did you finance the Z?
If so, do whatever you can to pay it off quickly (assuming there is no penalty for early payback) or sell the car on if you can't afford to run it without going deeper into debt.
If you own it outright, I'd simplify things and go down to one car.
Is the lack of space / seats in the Z a deal-killer?
You gotta have a plan and stick to it.