Nagging is never a good thing. If the old mom mobile still safe and working, I think that you could drive it for a little while longer until you have the entire amount for the 500 series. Are the 2005 cars in yet? Maybe you can wait and buy a 2004 when the dealers need to make room for the 2005. I think that they lower the price.
So I was just outside for a little while and saw quite a few BMW 500 driving by. They looked nice, and I thought about you, KilarneyRose, I mean Mrs. X and her dilemma. My dilemma is that I don't have a car at all. BTW, does Mr. X have a brother?
Rudey, I take public transportation also, and it's fine by me. Most places I want to go are a few minutes away. I see your point about financing something that you don't need. I thought that the interest rate was still low enough to justify it. I know a few people who own luxury cars. Most of them paid for them in full.