This thread became the Dave Ramsey thread quick. Lol. Glad to see people are waking up to getting out of debt, it's a good move. Now back to the OP.
Tom will know what is best. For a DD, you might actually be happier in a fox body. It is cooler to have this level of power in a Focus, but get ready to spend some money getting there.
05 D20 ZX3:
F2 CAI, Trubendz 2.5 exhaust, Tom's Tune, Eibach Sportlines, black SVT wheels