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A 22-year-old Canadian entrepreneur found himself facing an unusual financial dilemma: whether to buy a 90,000 Canadian dollar ($65,000) SUV before his grandmother arrives from India for a summer visit.

During a recent episode of “The Ramsey Show,” the caller, Mohammed, told hosts Rachel Cruze and George Kamel that he currently drives a paid-off 2022 Nissan Pathfinder. While he doesn’t need a new vehicle, he admitted he was seriously considering upgrading to a GMC Yukon before his grandmother arrives for a visit in July.

“I really want her to see how well I’m doing for myself,” Mohammed said.

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Mohammed made it clear that money wasn’t the issue. He said he could likely sell his Pathfinder for around CA$35,000 and pay cash for the Yukon.

The hosts quickly focused on the motivation behind the purchase.

“So, you want to make a six-figure impulsive decision to impress somebody who’s there temporarily so that they think you’re doing better than you are?” Kamel asked.

Mohammed pushed back, saying he wasn’t trying to create a false impression.

“I could pay full cash for that car,” he said. Kamel responded that affordability wasn’t really the issue, asking instead, “Does she actually care?”

As the conversation continued, Mohammed explained that his grandmother means a great deal to him and that he believed she would appreciate the comfort and luxury of a higher-end vehicle.

“I have a feeling she would appreciate having like massage seats,” he said.

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Mohammed revealed that he owns two businesses, including a clothing company he started at age 16 that now employs nine full-time workers. He said his taxable income last year was about CA$250,000.

“If I’m grandma, that’s what I’m proud of,” Kamel replied. “You’re a successful, bright young man.”

Kamel suggested Mohammed ask himself a simple question: “If nobody sees this purchase, would I still want it?”

The hosts stressed that there is nothing wrong with buying an expensive vehicle if it aligns with personal goals and preferences. Their concern was that Mohammed seemed motivated primarily by how someone else would react.

“What I’m scared of is that if you make this purchase because of the motivation that you just explained to us, you have set up a pattern in your life,” Cruze said. “It’s an unfulfilling lane that you’re setting up.”

She warned that chasing approval through material purchases can become a cycle that never feels complete. Today it might be a grandmother’s approval, but tomorrow it could be friends, parents or a future romantic partner.

For young high earners navigating major financial decisions, some experts recommend working with a financial adviser to build long-term plans around spending, investing and lifestyle goals. Tools like AdvisorMatch connect users with advisers who can help evaluate big purchases within the context of broader financial priorities such as investing, taxes and future wealth planning.

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Mohammed said he was also considering moving into a larger home because his grandmother tends to attract family gatherings whenever she visits. He mentioned both a CA$395,000 house and a larger rental townhouse as possibilities.

Once again, Cruze urged patience.

“Wait till they leave and then you make a decision for your future for you,” she said.

By the end of the conversation, the hosts agreed that Mohammed’s financial success was already something to be proud of. Their advice wasn’t against buying a luxury vehicle. It was simply that major purchases should be made because they improve your life, not because you’re hoping to impress someone else.

“If I was going to drop money, I’d rather it be on a house than a car,” Kamel finished the call. “But do it for you and for nobody else.”

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This article A 22-Year-Old Wants To Buy A $65K Car Before His Grandmother Visits. 'I Really Want Her To See How Well I'm Doing For Myself' originally appeared on Benzinga.com

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