A car doesn’t define success. What your long-term goals do. Let’s test whether the Lambo is worth the trade-off.
My Friend Is Buying a Lamborghini. Should I, Doctor?
When “rewards” can quietly become financial roadblocks
Last week, a senior surgeon walked into the doctors’ lounge and casually said:
“I’m booking a Lamborghini". Heads turned. Conversations stopped. For a moment, every doctor in the room thought:
“Should I too?”
The Temptation Trap
Doctors spend years in MBBS, PG, residencies, and endless night duties.
When the money finally starts flowing, it’s natural to crave a symbol of success.
A luxury car isn’t just transportation — it’s validation.
But here’s what our DocWealth Diagnostic reveals when a doctor considers a Lamborghini:
- On-road cost → ₹6–8 crore
- EMIs/Lease → ~₹8–10 lakh/month
- Annual maintenance + insurance → ₹15–20 lakh
- Depreciation → Halves in ~5 years
That’s not validation — it’s a permanent lifestyle emergency if not planned right.
The Doctor’s Reality Check
Before you book that supercar, ask yourself:
- Are kids’ education and retirement goals fully funded?
- Do I have a 9–12 month emergency fund?
- Is my clinic expansion capital intact?
- Will this push me into loan dependency or force longer duty hours just to cover EMIs?
For many doctors, the answers are sobering.
What We’ve Seen in Practice
- A radiologist bought a supercar but sold it within 2 years — high maintenance costs and guilt of underfunding retirement made it unbearable.
- An orthopaedic surgeon redirected the same EMI into a goal-based portfolio — 7 years later, he could buy two luxury cars debt-free if he still wanted.
- A gynaecologist chose to lease a high-end BMW — scratched the itch without wrecking long-term plans.
Smarter Alternatives
If you still want the thrill of a Lamborghini:
- Make it a capstone reward → Buy after completing retirement & education goals.
- Lease instead of buy → Enjoy the experience without the depreciation burn.
- Create a “fun fund” → Allocate 5–10% of surplus each year for indulgences — guilt-free.
The Bigger Question
Luxury isn’t the enemy.
The problem begins when the ego overruns financial diagnostics.
A Lamborghini is exciting.
But it should never come at the cost of your family’s future — or your peace of mind.
Before you sign that cheque, ask yourself:
“Am I buying freedom, or debt disguised as luxury?”
Willing to explore what suits you best? Schedule a one-on-one consultation today →
