This question is personal and there is no right or wrong. It all depends on how the person wants to live his life, whether to committing to a RM150k with a combined salary of RM9000 with the wife.

I have seen people going into debts by not having enough to pay for car installments, just to have the "status" of driving a BRAND NEW BMW car. In real life. Of course he chooses the way he wants to live his life. What are we to comment.

This thread is basically the same thing. At times one may struggle, but at the end of the day, you will sail through driving the BMW albeit the struggle. Worse comes to worst, the bank will just tow away your car if the owner cannot cope.