Here’s my deal. 50k isn’t crazy for a car (I just bought a used one with an MSRP of 44k but what concerns me is your spend rate and E fund. If you take your cash on hand down to 50k where does that put you for monthly expenses. If the world stops buying things, can you survive without your commissions? In a sales role, you need to have more cash on hand in your emergency fund than somebody in a stable job, and frankly these days no job is stable.

7

Dude, you are rocking it and doing everything right. One of the rewards you owe yourself is something special. Get whatever you want. Get something that will make you happy every time you get into it and keep it for a while. The new cars were so damn expensive and depreciate so quickly. If I were you, I’d look for a 2-3 yo Audi A6

3

lol I wasn’t asking if you like the car or not

1

Can you keep your car payment under 8% of your gross monthly income on a 3 year loan with 20% down? If not, its prob not a good financial decision

1

nfa but just cop quantum stocks tbh

1

You could do it, would probably be strategic and take some on loan so you don’t have the 50K drop in liquid assets, plus it’s healthy for your credit, but wouldn’t do anything over 400-500 for your monthly payments. Negotiate negotiate negotiate and be ready to walk tf out if they don’t come to your level.

1

Maybe put cash in low vol ETFs like $FDLO and $USMV i’ve been trying to tell yall

1