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I actually make less than $100k - but even so I can still afford the Model S. It's just a matter of carefully managing my expenses, and saving up for the big day...
ACP won't sell you only one any more, they don't want to deal with the general public. There are some other options for AC motors, some guys over at DIY are trying some AC, (BLDC), motors from China, and I'm using the low voltage, (108volt), AC31 from HPG, who are looking for higher voltage controllers for their motors.