Hello community, I need your help. I need a family car. What I could pull out of my pocket would be in the range 20k. I don’t drive much: 10k a year. The car would be insured in the underground car garage and with all-inclusive. I searched for a long time and even thought about new cars Kia and Co.. In the end I landed at used 3 Series GT, directly from BMW, means: about 30-50 Tkm on the speedometer and BMW warranty. I even had a test drive and find the car great: spacious, fits in my garage and looks nice. The problem is that even the 320i start with ~30k. My wish car, which would be really fun (from the engineization and equipment) would be more 35-38k. Now I think about whether I buy it and (logically) finance it. I have the reasonable rates with the credit with the closing rate. But somehow it seems strange to me: spend the money + pay each month + still remain guilty. On the contrary, one can say that a well equipped r 330i or 340i, which is still fully insured and is in garage, would not cost 0 in 6-8 years (with my mileage still under 150tkm) and possibly even more than my final rate. It can sound stupid to buy something that you can’t pay out of your pocket, but would it be reasonable to buy an older or cheaper car without financing and then get scrap at the end or invest a lot in the repair, I don’t know. So purely financially, abs even from comfort. Need a couple of experiences..