Go for the stock setup. As a fellow youngster with similar issues, I suggest you go for the cheapest option now. A turbo swap is a lot to tackle for a 19 year old on a budget, I did it two years ago when I was 17 and am still not finished. Unforeseen issues will inevitably happen that will halt your progress, and living expenses dry your budget to where its hard to afford general maintenance if you're also installing upgrades. So I suggest you go for a simplistic, most cost effective solution so you can limit the hiccups and have Z car to enjoy while you're a poor American youth, rather one that's parked in your parents garage 175 miles from where you live.
Anyone who says you're too young just did something wrong when they were our age. Persevere and you will have a kick ass z car in a few short years.
Also, don't get your girlfriend pregnant. That will really kill the project.