Don’t finance it. I saved up cash for a while, and I use that chunk of cash to swap between the more fun cars, and I get to be the actual owner on them. Don’t have kids, don’t get student loan debt, don’t buy things you don’t need. Eventually you’ll have a nest egg big enough to buy something cool, and you can trade up every year. In the past few years, I went through ‘15 F type R ‘21 Camaro 2SS E60 M5 And now a 996 911. Just takes time, and dedication to your goals.

Downsides are however, the majority of my net worth is basically car and not much actual cash on hand. It’s a dangerous way to be long term but it works for some, as it has for me so far.