We're all stupid in varying degrees including you two with the new Civics at $10/hr right down to anyone who isn't buying the absolutely most economical car available. But rest assured that the guy with the STi is even more stupid. We just bought a new car that my wife is picking up today so I'm also stupid. It makes me feel better to know that we will have one economical car ('97 Civic ~60k miles) that I will drive to the train station every day that will be paid off in a week or so. Frankly I think that participating in modern life at all is fairly stupid, but here we are. You'll be fine as long as you can look around the room and find the really stupid guy because then it's not you.