<prompt> Human: Im about to pull the trigger on a deal to purchase fully loaded IS350 F-Sport. The car will cost a bit less than 60k, and I just want to make sure Im not making a mistake here.To give a little background, Im 29, living with my parents, and own a townhouse which Ive been renting out for the last 4 years. I also came into a windfall in my early 20s, which Ive invested and allowed to grow ever since. Throughout my mid to late 20s, Ive had one single, overarching goal - to have enough money to pay off my mortgage. To that end, I continued to live with my parents, and socked away everything I had into investments - from the townhouse, from my paycheck, from my bonuses, everything. I ran my old car into the ground, and then replaced it with a Prius for the low operating cost a fine car which I still heartily recommend to anybody with a congested commute, which Ive been running for the last 3 years. I also didnt have any relationships in my 20s to spend money on, so that just got diverted into investments too.At the end of last year, I hit my goal a year ahead of schedule - I now have enough money saved up from my investments to pay off my 270k mortgage in its entirety! I live in Toronto, so I know that thats no small feat. With the low interest rate environment, I plan to maintain the investments that I have, as the rate of return I get exceeds the mortgages interest rate 3.6 handily. I make about 50k a year after taxes from my job, and collect about 16k a year on townhouse rental income. Even after moving out and losing that rental income, Ive drawn up a provisional budget that will give me an annual surplus of 10k, to be spent on vacations, further savings, and emergencies, which will also absorb the increased operating costs.I have about 300k in equities, in addition to cash on hand you can see how Ive massively front loaded my savings in life! - the plan is to allow 180k of that to grow in high risk investments to fund my retirement, as I have 35 years to absorb a lot of volatility and my math suggests Ill reach my current retirement income goal of 50kyr easily when combined with Old Age Security and the Canada Pension Plan, and use the other 100k as a renewable car fund liquidating the last 20k as surplus to pay for this car with cash, along with selling my current one and using cash on hand and a sizable incoming tax refund to make up the rest, skimming off the top every 8-10 years and selling my incumbent car to get one of similar price, theoretically forever more assuming an annual 5 real return on investments.In terms of major life expenses, I feel that Ive already funded my retirement at 65, and as a single man, the townhouse is already all the house I feel I need for myself, and will even serve for the beginnings of a future family. The only thing left is to renovate it and move in myself, but thats not until next year, and I have another full year to save up money from work and rental income to fund those renovations. Thats why I feel like I can upgrade to a luxurious drivers car, and enjoy the experience before I inevitably get into a relationship in my 30s, settle down, and have kids. Heck, with a sedan, I can still keep that for the first few years of my hypothetical future kids lives too, and the car will have depreciated enough by then that I shouldnt be too bothered about it.So, with all that in mind, am I making a mistake by buying a brand new luxury car? I can buy it with cash on hand by the time I take delivery in the middle of the year, and have a plan to afford comparable cars later too. My math suggests I have the means to do this sustainably, but have I missed anything in my analysis? I need to be 100 sure that I wont screw myself over financially by buying this car before I execute the plan, so I welcome feedback.  <response>: A youll never be able to be 100 sure about something in the future. B What do you want this car to do for you? Something youve always dreamed of or holds special value for you?? Its not the kind the car that will be less prone to depreciation. An ISF-Sport is barely a luxury car. Its a premium brand, but its just a 3-series competitor. C Why do you want a brand new car right now? Or more accurately, what will this brand new 60K car that is ready to take its major depreciation hit do for you that a 2-3yr old car cant. If I were to consider buying a brand new car, Id at least make it an experience; like doing european delivery or ordering a custom exteriorinterior color car from BMWAudiPorsche. 