You have 35,000 in savings, lent out 110,000, and save about 130,000 per year. If you make reasonable and effective investments, I believe that within five years, you can achieve your financial goal of purchasing a car. You can buy a car when you feel it's necessary. Try not to use all of your savings for the purchase. Instead, you could mortgage your property to the bank and take out a loan to buy the car. This way, you can enjoy interest rate discounts and use your savings for investment. As long as your investment returns exceed the loan interest rate, you will be fully utilizing your family's current assets. Also, for future home purchases, it is best to use a house mortgage loan.