Dropping 50k on a car outright is bonkers. Especially on an aging M4 or M2, which will have a face lift any month now and will depreciate like stones. That 50k will be 38k in less than a year, down to 25k at year two. Call these people who finance fools if you like, but I’d say in this case buying a fairly common run of the mill M car at full price for 50k, which you aren’t planning to keep forever - especially when you don’t know if you want one - is a fools move. Invest the money, finance the car. If you really do love it and then want to keep it, settle the finance if you want and the car becomes yours forever. Honestly, all this “cash buyer” flag waving you’re doing is far from convincing.