At least you guys are asking. Hey, in your 20's, look for one generation behind. Look at the E46 M3. Great car - although maintenance can get expensive. If you make less than $100k and you're thinking of buying a $70k car, you are way out of your league.
Even with the 330 ZHP, a great way to reenergize the love is to mod it. Wheels, spoilers, coilovers, plenty to do that will make it much nice for low $. "Affording" it is relative, letting the car consume all of your income just doesn't make sense.
I always targeted about $30k for a car. Really is a great point that can get you a lot of car for the money if you look well. Of course that isn't the E92 M3, but it is the E46. Good luck and at least you are double checking your decision.
E92 M3 MR on Red/Black ZCP Sound
2007 997S - sold
2003 E46 M3 Steel Grey on Red- sold
1997 E36 M3 Arctic Silver on Black- sold