yeah, a roth ira will get you tons of money. i did a calculation the other day, and if i put in the max amt a year ($3k) for 30 years (might have been 40), the total amt of money i would get at age 59.5 (thats when you can get it out) was something like $1.2 million. Thats alot of return for a $90k-$120k investment spread over that many years. Oh, and you pay your tax on roth ira's now, and when you get your million or whatever, you don't have to pay any income tax on that at all. pretty awesome if you ask me...
anyway, about your car, you can do whatever you want to it, but just make sure that its running well, at least as good as it can stock (if you recently got the car.) You know, make sure the transmission is ok, all the hoses are good, basically, that its well mantained. The last thing you want is to spend a few $k, and then suddenly, something crazy happens to you car, and you're out of cash to fix it. After, that, start with the basics, upgraded intake, exhaust, better brake pads, a chip, and work you're way up.
then again, i might be preaching to the choir here, you could already have a decked out bimmer as far as i know...in that case, i got nothing, except for financial advice.
btw if this smiley --->
is drinking guiness (judged by the head and color of the beer), then that guy is my favorite smiley dude.