<prompt> Human: Hey PF, I know this is dumb, but I need to know how bad of a decision this would be. Currently, after tax, my wife and I bring home 6,800 month. Our expenses typically fall around 3,400 a month after mortgage, bills, groceries, etc. I contribute 7 to my 401k with 5 matched and have an emergency fund at 15k.Now the dumb part. Ive always wanted a Tacoma. This year, as a reward for paying off my student loans, Ive almost convinced myself that after 14 years of looking, I may decide to drop the 30-35k and buy one. I figure I can get 2-3k in trade-in, and down payment of 6k... which I could save another few months to make larger... and finance the last 25-28k. How irresponsible would this be? We do still owe 12k on my wifes car as she had a wreck a few years back, but only other debt is mortgage. Im sure Ive left out some needed information, but thanks for talking sense into me ahead of time. Assistant: Im sure Ive left out some needed information, Well, you left out what you need a truck for.Human: I dont need it at all. It is 100 a want.  <response>: What would your reaction be if your wife said she wanted to spend 35,000 on a designer purse and the best reason she could give is that shes always wanted one? 