<prompt> Human: Currently driving a 2006 Honda Accord with 67000 miles on it, which runs fine but needs to have the timing belt replaced. Not sure if I should bother sinking any money into a car I am pretty bored of at this point.I have been thinking about trading it in and upgrading to a preowned BMW 650i. Xdrive coupe. A local dealer has one listed for 43k but I am sure I could probably bump it down a bit. I test drove one and it definitely blows my accord out of the water. I dont want to really go into alternatives as this is truly the car I want.Here are my finances:Salary: 38kSavings 12k checkingRoth IRA: 16k401k: 6kMonthly ExpensesRent :950Cellphone: 60Food: 350Netflix : 10Entertainment : 200Gas 180Insurance: 120Misc: 200I figure I will put 10k down and finance the rest using my Roth as an emergency fund. Playing with an auto loan a calculator I figure I can get my monthly payment to around 500 which is totally doable IMHO. I thought about leasing a new one but Thankfully Ive seen enough advice here recommending against it. Edit: Forgot to figure in my trade in, which I imagine I could get around 6k for. That would mean if only have to put about 5 or 6k down which means Id have a much larger emergency fund.  <response>: Luxury car with 38k gross salary? No!You are poor. Start acting like it! You should keep the car you have, a Honda will run 200k if you take care of it. 