Sometimes that's a personal choice, not a mandate to afford the car.
I did a lot of number crunching to justify the purchase of the car (justify, not afford; big difference). In the end, I said screw it, and bought it.
Tesla time - Don't buy the car for any promised features. It will take them at least 3x as long to deliver, and yet they may never deliver.
OTA updates - They're both a blessing and a curse. They give a lot of new features. But Tesla's QA/QC team is not keeping up. They often have with bugs.
Depreciation - It's a killer. If you take out a longer period loan with a small down payment, you'll be upside down for the duration of your loan. Don't buy the hype that the car lasts 200k miles so people are willing to pay more for an older car.
Maintenance - Sure, no maintenance is required. But if you want to keep up with the recommended service schedule, you're looking to drop between $400-$900/year. I spend less than that on my ICE (though I did a lot of the work myself)
Supercharging times - the 30 mins Tesla advertises on the website to get from 10% to 90% is a joke. Sure my kids are often ready before the car is, but there are times I wish it was faster. And I'm sure it will be.
Door handles that are reliable - LOL. I have a mid-'15 car, had 2 handles replaced already. Less maintenance you say? I hear these things are $800 a pop out of warranty. I drive a lot, so paying $4k for the ESA for 2 years is not worth the risk to me.
etc. etc. etc.
Knowing what I know now, if I had to do it all over again, I might go CPO or just wait for the Model 3. Once my car is out of the drivetrain warranty, I might sell it. I kept my last car for 9 years (loved that thing, would've kept it longer if it hadn't start to fall apart), I was planning to keep the Tesla for 9-10 years also, but I think 8 might be a safer bet.
Half the justifications I used to purchase it were based on false information. I might have had blinders on though, since I wanted the car so badly
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Don't get me wrong, I love the car, my wife loves the car, my wife can't wait for her Model 3. But... there's really no justification for a car in this price range. If you can afford it, and want it, you only live once.