I am still confused you also said you won't be paying off the X5 until 2015 yet you only owe $13K on it ?

Well there are so many factors that go into a decision---the price you get on your trade, the price you get on the new one, how much are you willing to increase your payment on (or not) on the upgrade. An '08 3.0 with 48K miles probably trade-in is worth low $30Ks I am guessing. So, you net $17K on the trade. Unless you want your payments to be a certain amount by putting that into another car I would pocket the $17K when/if you trade. As far as the other options on which car, etc---do you really want to keep the X5 once it's paid off and buy another to drive as your daily driver ? You have to pay insurance on it etc and it's depreciating just sitting there. If you are wanting top $ on your car sell it on Autotrader, etc. On the topic of which cars, have you driven the 535xi, 335i or 4.8 to better assess what you like better ?

BTW I was 28 when I bought my first X5 in '01 so you aren't that young to be on here ha.

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2008 X5 4.8
Jet Black/Black Nevada/Dark Burl Walnut
Adaptive Drive
Premium Pack
Tech Pack
Climate Pack
Sport Pack
20" Wheel Option
Premium Sound
Sirius Satellite
Rear DVD Entertainment
Multi-Contour Seats
Comfort Access
3rd Row Seat
Heated Front Seats
Running Boards
3M VentureShield Paint Protection Film