<prompt> Human: I have always wanted a Tesla Model S, but I am not sure If I can reasonably afford it. What does PF think? The model I am looking at would be around 100k. Age 24, living in California Salary: 110k base 45k yearly bonus 35k yearly equity. Expenses: 1500mth housing 150mth food 300mth other currently have no car. Savings: 28k in 401k Maxing out Roth 401k currently 40k various investments. 30k emergency savings cash. 0 debt, all values in USD  <response>: Save up enough cash so you could buy it outright, then revisit the question. I think youll be able to really assess this when you have to decide do I really want to spend this 85k on a car? Having the cash tangible, instead of contemplating payments, will really change how you approach this. 