How stupid would it be to spend 75% of my take home pay on a luxury apartment downtown, not including utilities?

No one will even approve you to rent for that much.

Short term you could probably do it just fine and it wouldn't be too irresponsible. You will definitely be losing money from savings instead of accumulating. You can always move somewhere cheaper afterwards or go back to your parents.
I'm in a similar boat and also need to get out before I cross the point of no return, or maybe I already have.
Hell you might as well just find an affordable single bedroom apartment and accomplish more or less the same thing. In your head you'll be the life of the party with non stop girls coming through, but that's not reality, people are flakes, you still have work responsibility, and bills, etc. So you can't party and buy cool things.

Also this

do it. don't listen to these other virgin faggots. if you're over 25 you need to be in a city with other young professionals to get laid. as you mentioned small towns are only for small minded rodents with no life goals outside of reproduction. they marry the first person they meet and go through their whole life experience little and achieving little. is that what you want?

I guess what I am trying to say is that this is mostly in your head, getting the nicest apartment vs an average one isn't really going to change your personal growth.

hope you like creditcard debt

depends on what you want. smarter to invest in btc. imo. you can buy 2-5 more of those apartments after holding for 8 months. this years ath will dwarf last years.

I have enough saved up that I can pay in advance if that becomes an issue, so I'm not worried about it. It's not if I can afford it, it's more a question if the social and personal benefits will offset spending a down payment on a house over a couple years.

If I go somewhere more affordable I know for a fact nobody will visit me. I know people are flakes but I still should get at least a couple visits a month with this location. And I'd have places I could walk to and go by myself with decent crowds of meeting people, rather than having to sit alone all the time.

Thanks bro. You are right, I am near the end and need to make a change.

Be careful offering to pay everything upfront. Ive had friends get turned away just for offering to pay up front instead of monthly. Deposit + First months rent should be enough or you can even offer a bank statement so they know you can afford it. Offering to pay the entire thing up front throws up red flags. Landlords/Apartments want things to go the same normie way everytime and when you start acting outside of what they expect then you become unpredictable which puts you in the category of people wanting to start drug operations, escort houses, cam studios.

That wont help you because you arw a polposter with 0 personality

Sorry

I hear you, from the OP I thought we were talking a pent house or something. You should do it then. No point in half assing it and moving out of your home just to become even more isolated than before.
You'll likely benefit more than it costs, just know you can't do that indefinitely. $30k in retirement is nothing, better than most your age, but that's because they've all been living pay check to paycheck since they graduated at 21.

I would have to commute an hour if I lived in the city (instead of with my parents) and it kills me because I'm missing out socially but have a pretty comfy job so I don't want to leave. Which also causes me to miss out on probably better career opportunity. No way I'm going to pay for an apartment in some boring suburb full of families, I get that practically free right now.

How far have you thought this through? If you're a kissless virgin bringing home women is a huge leap, you're too focused on your living arrangements as being a determent.

Rent a decent apartment but spend you're disposable income on socializing. If you're only hope is attracting a gold digger just get a whore, at least they're up front about it.

user, you don't need a luxury apartment. Find a cheap apartment and invest the rest of your income into yourself. Renting a luxury apartment to live in alone with no income to furnish it or pay for utilities, food, or your future is going to leave you fucking miserable. A nice apartment/car will not get you laid. Buy a gym membership and some nice clothes instead, then take care of basics like a modest apartment and maybe car to get around.

Fucked up "you're" both times.