Since you asked…for everyone’s opinion, here’s mine…I agree with what flu and the others say.
I think what you are going through is just a mid life crisis, but with no kids or wife. Like others have said, it’s probably pretty important as to what the g/f with eventually end up or become as a first point to consider.
As someone who went through all this, but probably 10+ years ago (divorce, no kids, left job), I think as guys, we just hit a point and ask, “What now? or Is that all?”
You probably been working for 20+ years and just want to splurge a bit more on yourself and the “car” is the latest thing.
Anyhow, I think 50k in a 401k is woefully behind in terms of retirement. I probably “had” closer to 200-300 in my 30s, in addition to a few hundred k more outside for a house purchase.
Tech jobs over 40+, you will also face age discrimination as well unless you are in a very specialized field so knowing what I know now, I think the 20-35 period is where you want to maximize your income/work since you can afford to (time/no wife/kids).
If I was in your shoes, I’d put a ton more in retirement, for one thing…Agree that if you want a car that’s fun, I’d guess a brand new Miata would be funner to drive, is used a lot on the track/autocross and probably has more “value” and “fun” than the Lexus.
When I was also searching for CPO previously, the prices also didn’t seem that good if you can negotiate well for new…I guess that depends on the car, but with insanely low interest rates, sometimes new wasn’t more than CPO since your selection options are limited for CPO and I never bothered to see how hard the dealers are willing to come down. Just seemed brand new wasn’t that much more at all compared to the CPO prices I saw online.
You could also choose to “lease” a fun car also to not be tied down to any particular one if you didn’t really like that model, but with those bikes, I assume you actually like to go fast and go on a track so the Lexus sounds like a porker…
One thing which can change all this is if you get married/have kids, etc…then, your whole plan maybe working for a lot longer/saving a ton more, ec…
That said, I think if you didn’t splurge and do wasteful things now (within limits), after kids/wife, you’ll probably never do those things since it’s pretty irresponsible and selfish…and expensive…
