<prompt> Human: Recently I noticed a lot of people in my country are driving around in luxurious cars like AMGs, M5s, Porsches etc. I dont want to judge a book by its cover, but considering the drivers age and overall appearance, most times I would doubt they are successful businessmen or anything. I make around 50k a year before taxes, which is pretty middle class around here. Yet I couldnt afford a car for 40-60k plus upkeep without seriously lowering how much I spend on food, clothes and overall living. Is there some kind of magic involved, or are really all those people either rich or living off bread and mustard?  <response>: They either sacfrice their day-to-day lives in order to pay it off.ORMore likely from what I have seen They take out loans and pay on those loans for years and years, which still sacrifices their life specifically retirement savings. 