Retirement is often looked to as the "promise land," as if retirement is the end unto itself. But as one of my elderly patients (I am a physician) said to me recently, "Old age sucks." I think that the "journey" to that promise land is just as important. Sock away for retirement, EF, college fund, and live within your means. And don't forget to give some to charity.
Sounds like you are thoughtful and tempered, and have the means to buy that M3.
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