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OP, some good advice in this thread. I didn't lease an M car until I owned a home, had a 250k+ income, AND was saving 25% of my income. Cars are not the status symbols they used to be. Almost anyone can drive whatever they want if they want to pay the price, even if it means spending all of their income to do it.
Don't get lured by the shiny object. Decide if driving an M car is a high enough priority to strap yourself with a ridiculous interest rate. Also sounds like you have consumer debt (that you're probably paying interest on). Some people will tell you debt is inevitable and that everyone has it. So it's okay. A mortgage? Sure, as long as you have a good loan to value. Lease a car? I say sure, it's a depreciating asset. A smarter financial choice is a 3 or 4 year old car, but as I said in the beginning, the car is my indulgence, because the rest of my financial life is in order.
Stupid people pay interest, smart people collect it.-Warren Buffett
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