<prompt> Human: I make 50k a year and I want to buy a relatively new lexus is350 for between 30-37k. Im 22 years old, single and have a 150k townhome, which I have a roommate for. I contribute the max amount into my IRA HSA for a total of 8850 a year. Im also currently contributing 4055 into my 401k with my employee match at 6. My take home after all bills and money into retirement accounts is 1500 when Im out of school and roughly 2300 when Im attending school, due to BAHpost 911. If I buy the lexus I want to throw down about 10k as a down payment and then my monthly payments are looking at roughly 300-400 a month give or take. So my question is should I buy this Lexus or should I go ahead and contribute more into my 401k like roughly 1k a month that way instead of putting away 13k a year alone in retirement I would be putting away between 23-25k a year just in retirement, not including whatever I have left over month to month. Just want to see what the smartest move is, I really want the lexus but I want others opinions.Assistant: If you want a shiny new toy, save up the cash and then consider buying it. No, you shouldnt take out a loan for a shiny new toy.Human: Im stating I have money left over every month after bills and putting away for retirement and was wondering if this is a feasible option.. putting 10k down I think is smarter than throwing 30k straight away at it  <response>: You asked what the smartest move is. The smartest move is to not get this car and save for retirement. If you are determined to get this car regardless, then the smartest move is to save up the cash. Buying a car that costs more than 50 of what you make in a year pre tax isnt a smart idea. 