Hi fellow bros, can I seek for some advise from you guys? I am a normal office worker, currently income 5k nett. My wife which is also an accountant income around 4k. Combine income 9k. Own a condo monthly installment 1500. Petrol cover by company RM600 every month.

Planning to buy a 2nd hand BMW F30 316i, price RM150k , downpayment 20k , loan 130k, tenure 9 years, installment every month 1400. No more warranty, with 30k left BSRI.

Please advise whether I should go for this 316i? Currently driving a vios. 5 years old car. Really fancy this car but worry about the maintenance cost. What do you guys think of it with me and my wife combine income? ( not plan to have child yet )

Thanks fellow bros. please advise.

For what it's worth, I was looking at the new Porker 911 over the weekend. Asking was S$575,000. Decided that was more than my 10% rule, so am now talking to my banker to buy 2 bonds that will pay me about 4-5% annual yield instead. Buy with you head, not your heart. That's the best way to make money.

Anyway, I managed to get myself a brand new unregistered zero mileage 2015 F10 520i last month with a 65K cash discount and about 11K worth of freebies (excluding the 5 yr or 100,000km free servicing).