u/SeeThis3D

I ordered a 2026 Dravit Gray M340i, which I got down to $63.5k after incentive. Still in the dreaded “ready for transport” stage (hence not having a real pic), but it’s given me some time to think before I sign

I spoke with my accountant, and through business usage I can write off over half of the lease payments, which brings my monthly cost down. I’ve leased all my cars in the past, partially because I like swapping cars and I liked the maintenance benefits.

For this lease, it’d be about $800 a month, but with multiple security deposits I can get it to $750. 39mo/10k mi, $0 down besides reg fees/taxes

But the more I think about this car… I realize I might want to keep it, especially since I’m factory ordering it. It’s fucking BEAUTIFUL and I hear nothing but good things. I currently drive a 2023 330i, which I love, and I know I’ll like this car. Plus, by owning it, I can customize it more and not have mileage limits.

I know the B58 is relatively reliable too, but I’d love to hear the perspective of higher mileage owners. Should this be the car I finally commit to and purchase? I’m wondering how everyone on here purchased theirs, and why they chose that

Edit to include build info:
- xDrive
- Dravit Gray/Cognac/Ash Grey Wood
- Shadowline, Premium, M Sport Pro, and Parking Assist packs
- Adaptive M Suspension

Edit 2:
$65,500 purchase price, $63,500 after incentive

Hi all,

I’m at a precipice with YouTube. My career is something I worked hard to achieve. I’m early on, but I worry about YouTube’s stability, as well as the sunk costs of the time I put into my degree and certifications (plus my certificates expiring if I leave). I work in investments which has a lot of opportunities and a high pay ceiling if I stay in it.

I have over 500k subs, and my YouTube income has been 2-3x my day job for a bit, with more channel memberships lately too. But I can’t shake the feeling that this is all temporary and that my channel could drop at any moment. Especially because my second channel actually got taken down recently due to false copyright claims, taking a month to recover it.

My niche is very… niche. So niche that, you’d be able to tell which channel I own from the niche alone. There’s a certain plateau in this niche where further growth becomes incredibly hard, even though views remain stable. So on top of the inconsistency of payouts, I worry about the longevity of this career.

I’ve seen some success with my second channel too so I could venture out, but not nearly as much as the main channel yet. On top of that, my day job gives me enough time to continue doing my YouTube work without being overloaded, but not to expand beyond that.

I recognize I’m very fortunate, but I can’t get rid of these fears. I’m wondering a few things:

- At what level do you just say “screw it” and take the leap?
- Am I being way too risk averse?
- What can I do in advance to quell my fears? I’m more concerned about longevity than my financial stability, because I already have the latter, and want to make this career last

Do you lease or own your M340i, and why?