I did some thinking and off hand Calculations when I was contemplating the effects of an Economic Slow down on a 3rd Vehicle for my household.
Here are my thoughts:
If you purchase a well maintained and somewhat sporty/refined used Vehicle for 25-30K from a Private Party, you'll end up needing financing, and Financing options are limited, if you go through Lightstream for example you'll pay around $400-450 per month over 72 months at 4.99%.
Ontop of that you'll be paying for Gas ($3.50+ avg over the next 5 years is optimistic) which is going to increase your monthly spending on the Vehicle to somewhere around $600-750 per month depending on how much you drive. Include another $300+ per year for basic Maintenance, and probably 2-3 major repair over the course of ownership which cost upwards of $1500 each, and you're looking at driving a used Vehicle for maybe $300-400 less per month than the Model Y.
I have a Loan out at $924 per month on a New Y, why are you looking at $1300 per month? Remove FSD and options. Options do not add to Resell value.
With this Comparison the choice to buy a 2nd Model Y was simple for me, but I'm also anticipating that I will need to work a bit more in my business to sustain my current level of income and sustain overall business profitability over the next 3 years while the economy deflates and eventually stabilizes into a stable albeit slower growth pattern, at least until the next boom and eventual bust.
If you believe in doing whatever it takes to live a great life, go for it, if you feel like your earning potential is limited to your current salary, I would suggest waiting a year and seeing how things play out with Tesla's pricing, maybe they bring back a standard range rwd Model Y with a price point of 50K? You save more for a down-payment and potentially look at a monthly payment more in the realm of $700 per month with the same Fuel savings offered by an EV.