Well you're married so that changes the equation. If you were single it would be a bit different. What's your plans on kids? How much debt? What's your plans housing wise? If you were single I'd say go for it. I truly regret not trading my 98 Escort in on a 00-01 Miata.. adding a turbo down the line. I almost did that when I moved down to Austin. But I did the responsible thing and kept the Escort for about the same reason's you're keeping the Civic. Now that I'm married with kids of course that's not a option. You don't say how much you drive. Most high performance cars get decent mpg if you stay out of the go peddle. If you want something fun for now and can afford it go for it.. if/when kids comes around sometimes the big boy toys have to go.