A 22-year-old pulling in six figures just got caught between a rock and a hard place—parents pushing a $30K car debt they think is necessary, while the kid's questioning whether it actually makes sense.

Dave Ramsey's take? Straight to the point: you don't owe your parents an explanation or justification for your financial choices once you're earning that kind of money.

Here's the thing—at $100K annual income, this person is already in a position most young adults never reach. That's serious earning power. But here's where it gets tricky: family dynamics and financial pressure don't just disappear because you've got the income.

The core issue isn't really about the car. It's about financial independence and having the confidence to make your own decisions. $30K in debt for a vehicle is a major commitment. Some folks would argue that's excessive; others see it as manageable. The real question: whose money is it, and who bears the consequences?

For anyone trying to build wealth—whether through traditional investing, real estate, or exploring alternative assets—this principle applies everywhere. You can't build a solid financial foundation if you're constantly second-guessing yourself based on what others think you should own.