[N55]

60% of my income goes straight into my savings/investments. Other 40% pays for everyday living expenses and self desires.



I would say NOT to go with the M5. You said it yourself, you really do not need a new car, but rather WANT a new car. Everybody knows cars are generally a terrible investment, especially buying new off the lot. Wait it out and pick it up used in a couple years. Cars depreciate the most within the first 2 years, far greater than year 3-4 of ownership. Let someone else take the hit for the first 2 years.