[jmg]

Depends on your income. If you are making $500k a year and an apartment suits your lifestyle, by all means, get the car you want.

However, you are 32 with no investments? How about savings? That $80-90k for a G80 is a nice downpayment on a house that will theoretically be appreciating. When I bought my first house (had a condo previously), I downgraded my vehicle to a 328i. We had a newborn and I wanted as much liquidity to fix the house up, start saving for private school, and build an investment portfolio. I'm glad I did because now that I am on my second M3, I feel like I didn't have to sacrifice anything to get them.

An M3/4 in your own garage in your own castle that you own is not only more fun, but it's more satisfying.