Depending on inflation, what interest you can borrow at to buy a car, and performance in the markets borrowing money to buy a car isn’t as unwise as it may sound. $30,000 in five years won’t be able to buy what $30,000 will today. If you have $30,000 in cash, can get financing for an APR lower than the rate of…

Buy a decent 5-10k car, put 70k into a no load mutual fund, put down 20% on real estate, and the rest into a money market as emergency funds.

You say you are trying to buy an apartment? I guess you live in a big city. Personally the finance charges on any real estate buy are going to be huge. You would be so much better off putting as much of that money you have towards your real estate purchase, especially if it gets you to nearly 100% paid for. Also pay…