I wouldn't give up your Xfi. It is high maintenance (as I've learned the hard way), but like a good girlfriend it is worth it. The Xfi is my sole vehicle which means there will be times I can't drive it in the winter. I'm blessed to have a subway a few blocks from my home and across the street from my office, so granted this is all said through that lens. If I were you I'd blow off what others think - I get some similar reactions when seen in the Xfi b/c I'm 32 but look younger. Some of the largest endowments to charitable institutions are willed by working folks who saved, saved, saved - miracle of compound interest and all that. Let the others just think you're smarter with money than they are. Good luck, I hope you keep it.