<prompt> Human: Hi Reddit,How do you afford a S Class. I feel like im missing something. I have always dreamed of having one from a young age and I have worked very hard to get to 100k a year and Im 25 this puts me in like the top 1 for my age and i still struggle to understand how to afford it I went to school and got a BA in computers and work as a programmer in a low cost of living area.So the budget:100k 5435 a month after state and federal taxes. Then you max out your 401k like everyone tells you -17,500 and you are left with 4,587.29 a month after state and federal taxes.Take that 4,587.29 a month - the below. 12.50 rent insurance 50.00 random needs IE toothpaste soap etc 56.00 Internet 80.00 Cable T.V 122.71 car insurance 104.99 cell phone 150.00 electricity 200.00 gas 300.00 food 200.00 fun money movies eating out WE 2,000 mortgage PMI Taxes 500 liquid savings think vacation or stuff happens fund.You are left with 811.09! Thats not enough to afford even a lease payment on the s class. Let alone the higher cost of insurance. So am I missing anything or is my spending out of control? Or does it really just boil down to even twice the annual income is not enough for a s class. S class lease is 1,300 a month.P.S I know it might get asked but I have 0 student loan or credit card debt.  <response>: No, you cant afford to spend 1.3k on a car on your income. Thats a ridiculous amount to spend on a car. Why do you think you should be able to afford your dream car at 25 anyway? Plus your mortgage is on the high side based on your take home. 