I was in the same situation as you 3 years ago, wanting to get a BMW so badly and it was a 323i. It was Rm179k at AB for a 3 year old model. Salary was almost like your salary then and I did not have any commitment. I was using a Satria at that time. Dad agreed and mum did not so plan was cancelled. I was lucky later on because my dad upgraded his car to a continental D segment and I bought over his Japanese D segment car about 2 years ago.

3 years down the road now, I think it was a good decision because after getting a house and funding for my further education, car seems to be less of a priority. Don't get me wrong, I would love to get the E90 (a 325i now) but looking at the depreciation and the condition of the economy, I think it can hold on.

So my advice to you, factor in your future house purchase plan, marriage plan, have adequate savings for any emergencies and then think of the BMW. At least you won't be caught in a financial trap