New speakers or new car?

Had a neighbor who bicycled professionally. NASA astronauts could only dream of having such engineered product.

Will always have a fondness for him. Did a little work around his place and as payment bought me my first REL acoustic Subwoofer 🔊. 

This has been stated before so it’s not new info.
It is idiotic to pay for a car or speakers on credit, this is insane thinking!

You think your underwater the day you buy your car, buying audio equipment will go down in value more and much harder to sell the more money they are. Let me know which audio product that has gone up in value? Go out to Agon and USAM and look at good gear bought months ago and it’s down 50%. How many people are wanting to buy a pair of $750k magico’s/wilsons even at 50% off? For many Porsche models, they aren’t losing money and some of them are getting bought off auctions for 5x their original cost.

The high end audio manufactures decided to create this ultra boutique to make some of their products that ask 100x what it costs to make. If these manufacturers would make the process to make these products more repeatable, it would cost much much less. 

Desire neither which is why I can easily afford both.

DeKay

A car is a necessity, for which a guy can get on a payment plan. Many dudes won't have 40k cash sitting around on them.

Some of these guys seem to be just incapable of doing the math on a electric car like a Tesla...If he was some commuter and got 10 years out of it, 10 years of cash savings from not paying for gas can cut the price of a new car in half or might make a used car free.

But, speaking of audio..i have refused to sell things to dudes who've show up at my house to buy an audiophile item or two in the past....and from some small talk i determine what he does for a living and that he got some cash advance on his credit card to to come up with the cash...(Go pay for your roof or siding repair in that dilapidated house of yours dude. I saw a picture of it on your facebook profile. Git outta here.)

The latter is bit of a mental illness..

It is idiotic to pay for a car or speakers on credit, this is insane thinking!

As others have mentioned it is wise to look for a gently used several year old car and pocket the savings compared to new. Let someone else pay the steep depreciation from the first couple of years.

Luxury cars depreciate quickly. Electric vehicles as well. Combine those both and it can make for some amazing deals. 

No need for another car but I like trying new things. Right now I'm looking at the BMW iX M60 which sold for around $120k with options in 2023. Now they can be had for half that, maybe less if you shop wisely. It's an ugly SUV but 0-60 in 3.2 seconds, quarter mile in 11.5 seconds, those are faster than my beloved Porsche 911 Turbo. There's also the BMW i4 M50 which is similarly fast (500+ horsepower) but in a more attractive traditional sedan look. Those were around $75k and can be had for almost half that price in excellent shape. And from what I've read the electric BMW models are very reliable, more so than their gas models.

My point being there are some amazing deals to be had on great cars if you shop smart and get a 2-4 year old example with reasonable miles.