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34m In Alberta — Can I Reasonably Afford A Tesla Model Y Performance?

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Looking for some outside opinions because I can’t decide whether this is a reasonable purchase given my finances:

**Household income:**
Me: $165k base + \~15% annual bonus ( will increase 2.5% to 3% every year)
Side consulting/business: \~$25–30k/year
Wife: currently \~$80k/year, with a fairly predictable salary progression that should eventually put her around $120–130k in next 5-6 years

**Retirement/investments:**
My employer pension/DCPP: I contribute 6% and employer contributes 9% = 15% of my $165k salary (\~$25k/year)

\~$70k LIRA and around 30k in rrsp and tfsa
Currently saving capacity of about 75k per year (like i have cash negative property which i want to keep long term)
Wife also has a great government defined-benefit pension

**Housing/debt:**
We own our primary residence plus rental properties
Primary mortgage is around $360k, worth about 520k
Rentals have mortgages as well; one is roughly cash-flow neutral/slightly negative (around $800/month)

No other debt. Car is paid off. Just cleared a 80k debt

**The car situation:**
I’m considering a Tesla Model Y Performance at roughly $1,000 month financed.
Normally I’d consider a $1,100 car payment excessive, but my commute changes the equation a bit. I drive roughly 150km daily, mostly commuting. My current vehicle gets around 9–10 L/100 km, so I’m spending a meaningful amount on gasoline.
I can charge the Tesla at home, and I have solar as well, so the operating-cost savings should be significant. I also plan to keep the vehicle for a long time rather than replacing it every 3–4 years.

My main question:
**Given our \~$290–300k household income, retirement savings/pensions, real estate, and my very high annual mileage, is a \~$1,000/month Model Y reasonable? I know car never an asset but i feel like I deserve jt at this point of my life.**

I used AI to sum my thoughts please don’t be harsh on me. I am asking because I respect the advise I get from this community.

submitted by /u/Lost_Watch2399 to r/teslacanada
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