I want a Maserati (Shit I can’t afford)

So I was bored and decided to look up cars.


DO NOT LOOK UP CARS WHEN YOU’RE BORED. It’s bound to just make you depressed.

Now, nothing is wrong with our two perfectly fine working cars, but let’s be honest.

Would you rather drive this


Maserati GranTurismo Convertible Sport




2008 Saturn Vue

Now there is nothing wrong with my Saturn, but it’s not a Maserati. My Saturn Vue was purchased brand new in 2008 and only has 53k miles on it. At this rate, my daughter Olivia will be gifted the car when she turns 16.

Unfortunately, the Maserati which is a beast of a car, also comes with a beast of a price tag.

The GranTurismo Convertible is the only drop-top in its class to seat four adults in full comfort in a uniquely designed cabin that delivers leading style and luxury.

  • MSRP: $142,800
  • Engine: 4.7L V8
  • Horsepower: 444bhp
  • Top Speed: 177ph
  • 0-60mph: 5.0 sec

I did not stutter.. it costs a whopping $142,800 before tax.


That would take us at our current monthly savings rate too many months to pay for in cash.

The most I can take a car loan out for is 70k via my credit union that means I would need to put down 72,800 which will

However, then we are stuck with a $1226 car note. FYI.. my mortgage is 1800 (before taxes/insurance)

The car will be nearly a third of our networth.

If I calculate the hours I would need to work to afford this car (before tax) it would be well over 1000 hours


Nah… I’ll keep driving my Saturn Vue. Why? Well, if the reasons above weren’t enough.

I wouldn’t feel right in the car. Something about a vehicle being more than 10% of net worth doesn’t sit right with me. I’ll revisit my thirst for a Maserati or a luxury car when we have achieved all our financial goals.

It’s not sexy having a Maserati and still have to go into the office.. I’ll keep buying real estate until I can really afford the car.

Then you have to factor in opportunity cost. What is opportunity cost you ask? Great question!

Opportunity cost is:

The cost of an alternative that must be forgone in order to pursue a certain action. Put another way, the benefits you could have received by taking an alternative action.

The alternative action for us is real estate. For 148k we could buy 6 properties. 6 properties will give us gross income of $57,600 per year. I like to be conservative, so say after expenses and things we can’t predict we bring in $28,800. That’s still $2400 per month that we can be making instead of losing $1226 on a car note.


Before moving forward with a financial decision think of your options, what is the opportunity cost of such a decision. This same rule applies for if you’re going to pay down debt versus invest.

Leave a comment below with the type of vehicle you want to drive.




  • I agree the other choices are much more practical and more reasonably priced. I would rather invest in assets that grow versus something that depreciates.

  • I agree.. A guy can dream can’t he.

  • I don’t think it hurts to dream. If someday in the future you can afford the car without debt, I don’t see a reason not to buy it. It’s no use just hoarding money – it’s there to be spent (obviously you have to prioritize your spending, but maybe the car is a priority).

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Teach me how to improve my finances, 

so that I can buy a home

and stop wasting my money on rent