If you have to ask the question....you can't. You either know if you can or can't. If have to ask can I afford to put a clutch in it or can I afford insurance or tires, etc.....then you CAN'T. You don't have to have unlimited money to own a lambo, I don't, but you should not have to budget for an unforseen expense.

Also, I don't care about or believe any of the other number you gave except the 3000 per month and the answer is you can't afford it at 3k per month. I was driving a Geo Tracker when I made 3k per month. Now I drive a 04 G, in addition to other vehicles, and never wondered if I could afford it. I waited until I knew I could. You just know.