<prompt> Human: Hey all - Im 25 and want to buy a 25k Certified Pre-Owned Luxury Car Audi A3A4A5, BMW 4 series, Lexus, Infinit, etc sometime down the line. Ive been a car enthusiast since I was a child NFS E46 M3 anyone?. Im always looking at photosinventoryreviews of cars I dream of owning one day. Currently I have a very reliable but boring 2015 Nissan Sentra that was given to me as a gift. I live only 10 min from work so my commute isnt very long so wear and tear wouldnt be bad. Im wondering if this is a horrible financial move on my part? Im on a half-assed FI path, but worry that I should be saving for a mortgage at this point in my life. Some info about me: 90k salary in cheap COL Single, no kids 12k emergency fund 12k checkings Maxed out 401k Maxed out IRA Low monthly expenses 700 living expenses, cook most of my meals, I dont go out much - aka no friends 5k student loans all at low interest If its more financially responsible, Id be down for something like a Lexus, Jeep, Infiniti, Acura, etc. Really I just want something more fun.  <response>: It should be noted that with a luxury car, comes luxury car maintenance fees which can be ridiculous at times. Even for otherwise basic services. That being said, I would take care of the student loans before considering taking on an auto loan. The rest of your situation sounds to be in order emergency fund, maxed out retirement accounts, low COL so I dont see why you couldnt take on a 5 year loan of some kind. I think most PFers would argue that a luxury car isnt necessary, but if it makes you happy and you have the financial means to do it, then why not. 