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    When can I justify buying a nice car?

    Perhaps so you might as well stay at home all day and not eat anything outside since that is money that could be compounding as well. Go for home brand foods because it's the same stuff, who cares what it tastes like it all goes to compounding.
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    When can I justify buying a nice car?

    For business get a good car as it is all tax deductible anyway (depreciation up to the luxury car tax limit)...and if you buy an SUV you may not even pay luxury car tax. Why do you think all the Toorak ladies drive their Porsche Cayennes?
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