<prompt> Human: Im a 24M and I lurk this page alot I like the advice and I have been doing fine. I learned how to budget and stay away from unnecessary debt. Soon will have about 10k in savings and I dont need a vehicle, my vehicle is reliable and my father is an excellent mechanic, house situation is not an issue i have a very very low rent live on my own. The problem is i know financially everything is fine but i think i am a bit materialistic, i want a nice vehicle. 10 percent of my annual income is about 5k but i want a nicer truck around 12k. How did you avoid debt or the temptation to drive a nicer vehicle?  <response>: You dont have to avoid the things you want. You just have to plan for and save up for them in advance. Its not about living a rfrugal lifestyle, its about planning ahead. Plenty of people in this sub have 10k vehicles. 