If you can't afford it. Don't buy it.
Animals are the exact same.
I dont know how many people, especially between the ages of 15-25, I have discouraged from getting a large pet.
Most wanted a dog.
Most wanted a puppy.
Most couldn't afford any unseen expenses, like surgeries.
Most did not have the real amount of time it takes to care for a puppy (an older dog is easier to take care of).
Most just wanted to have a built-in friend.
Most got a cat, fish, reptile or nothing after you explain that they live 10+yrs, and require care everyday and are you really prepared to NOT go on that vacation because you couldnt find a dog-sitter or afford a kennel?
People dont think about the act of pet ownership, just the idea of it.
Someone in this thread mentioned vets do not encourage younger people to take on the responsibility of pet ownership, simply because they arent mature enough financially (and typically, emotionally) to do it.
It saddens me to no end when I hear about someone getting a pet only to have to return it, destroy it or abandon it because of their lack of hindsight.
Its a life.
Its your responsibility.
And it will teach you more life lessons than your parents ever could.
Owning a dog/cat.