You, my friend, will be a fool if you purchase that car. You can't afford it. I understand you've delayed gratification for many years, blah blah etc. etc. But you can't afford it. You're not rich - you're now a high paid wage slave - which is all an M.D./D.O. is until s/he has accumulated a significant net worth. You don't have a net worth - you're less than zero. I sound very harsh, I know - but you're not protecting yourself. So you're counting on the markets to give you decent returns and let you retire, eh? You're counting on not becoming disabled in an accident you can't foresee early in your career that prevents you practicing medicine, eh? You're counting on not getting divorced and going through financial hell, eh? You're counting on marginal tax rates not rising, eh? You're counting on reimbursement rates remaining steady, eh? I know too many doctors who can't retire because of stupid spending decisions early in their career. And I know a few - very few - who delayed gratification early on, piled everything they could into investments, and are now sitting pretty with 8 figure nest eggs. How do you plan to purchase your first apartment complex if you don't have the down payment (in addition to the liquidity requirements to get commercial paper) because you blew $100K on a car you didn't need? Do you know how nice it is to make a luxury car lease payment with money generated by other people (i.e. your tenants) instead of your own two hands? Sorry man, but every time I see a young doctor driving around in an S Class that s/he paid for with her/his own physical labor rather than by income generated by assets I think 'fricking fool - that's the one who will always be poor.' It doesn't matter if you are pulling in $600K doing interventional cardiology or $800K as a neurosurgeon in some lucrative market in the mid-west - until you are free of your debts and have piled a lot of money into a portfolio you are nothing but a wage slave one disaster/injury/illness away from a lifetime of being poor. If you are like 90% of M.D.'s you are financially illiterate (unless you happened to major in finance or econ as an undergrad) due to years of spending all your waking hours studying medicine. You graduate to a high income with no financial acumen, investing skill or entrepreneurial talent. What you have the ability to study 6 hours a day for 10 years, pass grueling exams and then be blessed with a high salary. Why is this relevant? Because if anything happens to you that prevents you from practicing medicine you are most likely not a special snowflake who will be able to replace that 1%'er salary with anything else in life producing nearly as much income. And your wife probably doesn't understand the time value of money. THIS IS YOUR ONE SHOT AT BECOMING INDEPENDENT. DON'T BLOW IT. I reserve my harshest judgement for financially foolish decisions by M.D.s because they are *sooo cloosee* to becoming financially independent because of their high income (a chance in life 99 out of 100 people will not have) but ONLY if they don't screw up early on with irrational consumption. Buying this car is screwing up. It's like running a marathon (undergrad, o-chem, med school, residency, fellowship) then shooting yourself in the foot right before the finish line (asset accumulation). Lemme tell ya buddy - a passive 7 figure income off an 8 figure portfolio is nice, realllyyyy nice - you will like it a lotttt when you are 60 and have no memory of that stupid car you thought you needed when you were 32. The criticism is born of love for doctors not hate - everyone in my family and most of my friends are M.D.'s. I like to see them succeed, not fail.