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Who can truly afford luxury cars?
It comes down to individual priorities.  Some people prefer to spend their money on a luxury car or SUV, rather than on computer gear, a bigger house, having three extra kids, eating in restaurants, or whatever. Some people are quite happy to take out a loan to get more expensive products, and service that loan over several years. There is also "status" attached to some makes (e.g. german marques).   That comes with a status premium, which some people are prepared to pay for, or take out debt to get - and some are not.    Compare (say) a base model Audi or BMW with a similarly priced non-luxury model from a Japanese competitor.   The Japanese model will probably have more features (leather, large rims, safety aids, etc) than the European at the same price point - and it will be necessary to tick several options (and pay extra for them - which can amount to 30-40% extra cost) to get the luxury car with a comparable set of features.    For some people, the luxury brand is worth the difference.  For some it is not.