conversation: User (Prak903): "Hi PF,\n\nI've been a lurker on these forums, and the time has come for me to ask a question.\nWould it be financially responsible for me to buy a 2015 Audi S7 (106k with the model and options I want)? Currently single, 24, making around 475k pre tax (around 26k per month after tax)? Just want to know from the wise minds at PF.\n\nMy monthly expenses are about 2600 a month, I live very frugally. I have around $45k in student loans, paying a $1000 a month. No CC debt. I have an emergency fund of about 45k saved up. Roth IRA maxed out every year.\n\nThanks!"
  Self: "If you can pay for it in cash (or make a very substantial down payment), then sure.\n\nOtherwise, I wouldn't. Having $106k in car payments could make you *super* screwed if any of your income sources suddenly dry up.\n\n(I actually wouldn't buy the car anyway because I'd rather invest the $106k, but I suppose that's a personal decision.)"
  User (Prak903): "If i choose to buy, I am thinking of a 60% down payment, so around 64k. Should leave me with around 42k in payments every month."
  Self: "That sounds perfectly fine to me. Enjoy."
  