One year left on a finance degree just to hopefully one day have a Porsche to track :(
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Finish college then worry about it. You have the rest of your life to go broke from cars and track days.
I would recommend a visit to the PEC in LA or ATL. If you cannot afford that, go volunteer as a flagger or other at PCA HPDE or AutoX events. You’ll get to meet a lot of drivers and earn credit for free lap time.