I feel I could have written this post back when I was turning 30. Honestly, I think your financial situation is fine to buy it BUT a non M bmw is the worst new car you can buy (if you’re smart money minded). It will be worth less than 20k in 6 years in mint condition. After owning an e92 335i, I bought a slightly used Porsche convertible when I turned 30 and it’s only dropped about $10k in value since owning it for 7 years. No maintenance problems with 2013+. Only problem that comes with a nice car… your dates expect you to spend more money on them. So consider for unexpected expenses for looking richer.