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If you think that you need $200k to buy a ferrari, you're delusional. You need way more money than the car costs. You pretty much answered whether you should get it or not. If you can't stop yourself, you have bigger problems on your hands.
1> you don't really need it
2> you don't know how to drive
3> you want it so you can tell a story about how cool you were to your grandkids? My grandparents used to have a CADILLAC! WOW! Kids don't care.
4> you have just enough to afford it.
Why don't you just keep making money with your money, and then buy something you can afford, when you need it?
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