<prompt> Human: I just graduated college and will be making 80k a year plus about 10k in bonuses and I will also get paid for any overtime I work. I have investments in stocks worth about 35k. I am single without kids and will be probably renting a 1 bedroom apartment. I have no cc debt or student loans. I will be moving to Oklahoma City where the cost of living is very low. I was looking into possibly either buying or leasing a BMW 3 Series. Would it be reasonable to do this?  <response>: Could you afford it?, Yes. Should you? Depends on your goals, but I say no. Buy a more modest used car and wait a few years before splurging on a BMW. Take advantage of the low cost of living, live frugal the first few years, and build a nice nest egg, money for a house, or other goals down the road. You already have a head start with no cc or student loan debt, so stay ahead of game. Also build up a rainy day, emergency fund of liquid investments, you never know when you will get sick loose a job. You are the low man on the totem pole and will be the first to be let go if shit hits the fan at work. 