Honestly there is no way no one here will ever have to "finance" something... whether its a car a house etc... car payments are not that bad... you have to have a good enough job (i have) and the brain to budget for it (i have) if you can get those two things down there is no reason why financing a car would have to suck, UNLESS you buy a car you dont want. If i sell my car for whatever i buy i will have a nice 7000+ downpayment haha. i dont need to spend that money on other stuff like xsperf said since i bring home more than enough money every 2 weeks to satisfy my needs haha.
As for buying my dads m3, which one... well not quite yet, they are going down towards seattle today to look at a black on black on black 4 door m3 5 speed with 95k on it. So we might have another bmw here soon