This might happen... in 5 or more years. Unless we can buy something outright with cash, we don't buy it. We will not have another car payment ever again. I have 3 vehicles all paid for and we vowed to never again have another payment. Simple really. The only debt I have is my student loans and the house. No CC debt, no other loans... we learned a huge lesson many years back where we owed $45,000 in CC debt. We busted hump and sacrificed for 2 hard years and paid it off. So once you go thru something like that you certainly look at money a little differently. She has no idea what kind of money is involved with this hobby and we have bigger goals in our sites than a 4 door jeep.