I am curious about this one. This may sound like I am being an a$$hole, but my thinking is along the lines of:

Firstly: If you can afford this car in the first place, you have probably done well financially so far and don't need anyone elses help (remember this is the internet, I may be giving you advice and I am $10 billion in debt and everything I do is insane, financially speaking).

If you have done good financially so far, you have gotten there by being smart financially or you were very lucky.

If you have gotten there by being smart financially, then you probably can answer your own question.

If you have gotten here by being lucky, then you might not be smart enough to hang on to your money; and should watch out for "A fool and his money are soon parted".

There are no directions when it comes to money and what works for me, for sure will not work for others.

Sorry for being so direct...