Truly baffling to me that this is not inherently obvious. Just speaks to the lack of personal financial education in the world today. Maybe it's not your fault no one taught you this, but you do know about Dave Ramsey at least.
I don't know how old you are, but for the sake of argument, let's say you have 20 years before you retire. That $100k plus let's just be conservative and say an extra $500/year in more tag fees and insurance vs an older car, will be worth $490,807 in twenty years at 8% compounded return (assuming a balanced portfolio in US, non-US equities, and bonds).
So that "100k" Tahoe is really costing you almost $500k in future net worth.
Retirement isn't an AGE, it's a NUMBER. You can retire when you have enough money that the growth and income from it can pay your annual expenses. You don't get to magically retire when you're 65. Good luck if you're planning on social security to do that for you.