<prompt> Human: Hi personalfinance! Long time browser, first time poster. I am looking to purchase a new vehicle and I have the utmost desire for a truck. I live in the pacific NW so snow isnt the biggest worry but it would be nice to have a vehicle that can handle all conditions mother nature may dish out. I have a little over 10k in my savings Ive got earmarked towards a new vehicle. I am currently using a spare vehicle of my parents. I REALLY want a new Tacoma and I know how expensive they are. I currently live at my parents home and am saving every single penny I can. I bring home a little more than 2,000 take home every month and could easily afford a car payment. Even if I were to move out in my near future it would be with another family member and I would get a great deal on rent 800 monthly expense, including foodutilities, in the Pacific NW kind of good. This would still make a new car feasible. I know the insurance limits I want and expect to pay approximately 100 a month for it on average with a new truck yup you read that correctly. Am I out of touch when I think I can afford to purchase my dream vehicle? The minimum model Id like is 36k and the highest end model Id love is 44k. I would never be upside down in this new vehicle, regardless of model. 5 year loan with the goal of paying it off in 3-4. I understand the greater gas and insurance costs towards owning a 4wd truck. I am mentally prepared to pay these costs, but am I financially prepared?  <response>: Great truck. Terrible idea. 