Actually I was maxing out my IRA, and I rent, no need to buy a house (I also move a lot), and I spent my money investing instead of putting it in an IRA, oh, and yeah my education is paid for.
so.... nice try.
No house, renting since you constantly are moving (unstable job?), saying on one hand you max out the Roth but in the same sentence saying you were spending money investing rather than putting it in a Roth, I'll assume the former is a typo for 401K and not the latter since if you actually were maxing out a Roth IRA you'd surely know that a Roth is an investment, and your education is paid for? Sounds like I was more or less spot on.
If my parents made enough money to comfortably buy me a car in that price range than I don't see what the issue is. My parents spend money that fit there budget, buying me this one car fits their budget.
You're missing the big issue OP, what it is that your parents are trying to provide for you. They aren't giving you $25k to go out and borrow another $20k to put a star on the hood so you can floss it, they are giving you $25k to get you a pretty nice car (you have a LOT of nice options at $25k) so you can start your professional life off with a brand new, reliable, nice car to get you everywhere you need to go without having the burden of a car payment while you are just starting out. They are trying to set you up very well for life, and it sounds like they've done a nice job thus far. A $25k gift to get a brand new car is a very generous one, and you shouldn't look at it opportunistically and max out and strap yourself to get the blingiest car you can get. Don't look a gift horse in the mouth. Your parents have the means to set you up very well and allow you to start your career at 22 years old with no student loan debt and no car payment; take advantage of this and build wealth; look at the big picture here. Perhaps I was harsh, and my apologies, but there are too many kids in here with money to burn.
The creation of the thread itself and pointing out the irrelevant information that you are graduating and have been gifted $25k in and of itself was a bit pretentious; this thread easily could've been made omitting those details.
He can start investing when he starts working.
I surely would hope he's working if he plans on finding another $20k to throw at a car on top of the $25k he's been given.
EDIT: OP, the older I get the less I care about the emblem on the hood (again coming from a car guy) and the status. Nobody else will ever care what you drive, and this will be more apparent with each year that passes as you get older. You are paying for the name with a BMW or a Mercedes, not necessarily quality, features, and certainly not reliability. I was out looking at new cars just this evening with my wife and you'd be surprised at the amount of features packed into the cheapest of cars. Believe it or not, a lowly Ford Fiesta (the cheapest subcompact they make) can be had with heated leather seats and push button ignition with a smart key that never needs to come out of the pocket and locks/unlocks the car with proximity. For another example, a new Focus Titanium can be had with heated leather, remote start, moonroof, pushbutton ignition, proximity key, heated side mirrors, dual zone climate control, a 6 speed auto with manual mode, power front seats (both) with lumbar, rain sensing wipers, ambient lighting, puddle lamps, etc. etc. You can even get a handling package with a better suspension and 18" rims with Michelin Pilot Sport 3 summer tires. It basically has everything you're going to find in a $45k Benz, for $20k less.
Think smart, trust me.
