Always, I mean always place a higher priority on long-term investments. Cars are cool (so are motorcycles, airplanes, etc) but they drop value every single day. Not to say the housing market has been great lately (I'm under on the house I bought in 2006) but long-term still the best route.
You always need to have a place to live so it's a fixed expense. Do not rent and fund someone else's lifestyle. Buy your own house and every month you pay mortgage you are paying yourself.
I say, keep the Z as-is. Forget the FI and buy a house. With you money you saved from not buying the FI get a hot tube and bring the ladies over.
