I guess I just don't understand the "need" for a car/truck with a payment that's fully a third of our mortgage. Admittedly I don't drive nearly as much as the average American, but even if I did I can't imagine dropping nearly $800/month on a car payment. By the time it was paid off 5-7 years later it would just be an old car and I'd have spent a whole lot of money month after month on it. And then I'd probably feel like I "needed" a new car and start the whole process over again. No thanks. At the end of the day I'd rather people be jealous of my bank account than my car...