Don't buy an extravagant computer.
You're young. Go see the world while you're bright eyed and able-bodied.
Expanding on that; if you're into photography, spend some of your savings on shooting (travel, gear, talent, whatever). If you're into music, go listen to, buy, or play music.
Technically, the SSD is really pricey for the percentage increase in performance over the Fusion drive. Seems like you'll get more out of your art, by putting cash elsewhere.