In speaking of investments, an idea I've read on this forum before is that take what you can pay for FSD, and invest it in TSLA stock instead.
If you buy FSD right now, you cannot get that money back, even if it takes 10 years before the "full" part is achieved. If you buy stock, there are two likely outcomes:
1. Tesla is still stringing people along about FSD, you sell the stock when you want the money back and move on with your life.
2. Tesla achieves FSD, launches a robo-taxi fleet, their stock price skyrockets and you sell your shares to afford the features that now cost $10-$20k.
The above is not stock trading advice, but an interesting idea for people who are considering taking the risk in purchasing FSD. I bought a few shares when I read those posts and now I don't worry about price fluctuations in FSD so much anymore (that worry has been replaced with fluctuations in the stock price...).