2000 V6 need ideas

[ASSEMbler]

Insurance for a svt or a convertable gt is .. $7000 a year in nj.
This is at the age of 28 mind you.

The insurance is more than the car payments.

I can take the v6 and mod it with parts from a rolled svt in
about a year, but I wanted to add a little kick to it right now.

What is they are saying about the air silencer? And the cats?
People say I should get two high flows, but then I would not pass emmissions, so I need device a pal told me that allows me to dial in an engine, and get any emmision I want if I set it to that level.

I got the car for $8000 with 20,000 miles on it in an area where a GT with 50,000 goes for $14-16,000 and a new car is $32,000-$24,000.

I'd rather take the v6 and redo it with $10,000 and have super low insurance and great custom performance.

So the air, exhaust, and chip right? Gears I will get done asap.

thanks for having patience with a newbie