Turned 26 a few months ago
Ok, I think you're right on the cusp here. So I'm going to lean toward the irresponsible side: here's my answer:
Get the fuck atta here with your CDs and shit. What are you 50? You got a good physique (maybe aittle homo) and you in prime pussy pulling years. What you're going to roll up in a 1985 mustang? Kneegrow please!
Stick with the Lexus. If you take care of it, it'll last at least 200k miles. Toll save money in the long run anyway. Don't be in such a hurry to get old. Look at Wes. Getting old sucks.