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Rather than get into your business of whether or not you can afford the car and what you "should" or "shouldn't" do, I can just give you information:
I just leased my 10 series for 0 down and $289 a month including tax. That includes 2K off MSRP and 2K Scion Cash. If you need to shave another $40 you can do that by putting ~1500 down. 12k miles a year. 36 months.
GL.
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