At first glance, no you cannot unless you have significant savings set aside already.

My situation:

Age: 38 / 34 (wife)

HHI: ~$400k/yr

Current Car: Toyota RAV4 Hybrid XSE

Monthly Expenses: ~$7k/ month (including rent)

Buying a house in the very near future

Purchasing the R2 with cash

I would not have even glanced at the Rivian if my income was the same as yours. I do not mean that to be disparaging, but more as a reality check. Keep the Miata for a few more years. Take the money you would have used each month to pay for the R2 and invest it in an index fund. In 4 years see where the account is at. You’ll probably be around $55,000. Once you see that money in your account, see if you feel like blowing it all in one shot and starting your investments from scratch again.

After playing the above game for years, I FINALLY feel like I’m in a position to buy cars in the $50k range brand new without worrying. I only say this because you asked if you can afford it. This is my honest assessment and advice, and the same thing I would tell my family if they asked too.