[suaveflooder]

I'm gonna play the devils advocate for the time being. Technically, if you have to take a loan out for the car, you can't afford it. It also sounds like its going to be a play toy as well and in that case, the car should be paid for in cash for sure.

That is me being an adult and paying for things as they should be paid. Put aside a "car payment" every month and then sell the TL and pay for the car in cash in a year or year and a half. Like mentioned above, these things will come down in price pretty quickly. I think a used one will be had pretty cheap in a couple years. I think you will feel a lot better owning the car. Just my two cents.