8k salary why not? Get the 118i from BMW Premium Selection, pay the longest instalment, house pay 35 years, both around 4k, another 4k for your petrol, road tax, insurance and daily expenses, pay parents, medical insurance, etc etc... quit smoking can save a lot...

Get it if you wish, if I am so rich like you (I mean young), I won't think too much, fight for it, chase your desire dream, success is just at your door step. Think too negative eventually you have nothing plus no achievement in your life.