Buying a Tesla Model 3

At bare minimum if you are meeting the 50/30/20 rule you should be good. 50% needs, 30% wants and 20% savings. What's the point of making money if you can't spend it on the things you enjoy. If you really want a nice car and you don't have other luxuries you pay for i.e designer clothes, watches, shoes, going out to eat often, buying drinks, then you can allocate more money to your vehicle.

If you can keep the loan amount to less than 15k and can pay it off in 2 years. Fuck it, YOLO bro.

Buy a car with msrp 15-20% of your annual salary, no more than that.

Don't forget TCO. Tesla's TCO malarkey is misleading, but it's a valid point. Example: I drove a Genesis G80 5.0L Ultimate. The loan for this car cost me $550/month. The G80 prefers (more HP) premium fuel and it averages 16mpg. My Model 3 Performance (midnight silver metallic + White interior + AP + FSD) costs right at $1000/month. Gas cost calculated at 3.00/gallon (again, premium), electricity at my house costs 7c/kWh. I drive around 2000 miles per month. Insurance is 60/month cheaper on the Tesla--don't ask my why, I kept all the coverage levels the same. All told, I spend about the same amount driving my Model 3 per month as I did driving my Genesis. Since it was cost-neutral for me, it was a no-brainer. Tesla is also a car I will keep until paid off, which isn't something I've ever been willing to do with other cars. Everyone spends their money on things that matter to them. Will the car be worth it for you? It sounds as though you can afford it, but only you know if it will be worth the cost to you.

I went to college in a low COL area and without a car, it was miserable. Walking to place like Target takes 15 minutes. If you live in a place(I think you are in VA) similar to that, I say go for it. You are getting a lot of value out of it. 90K in such place is like what..., 130K in a high COL area. You can afford a Tesla fine in my opinion.

Panel gaps and poor paint jobs FTW.