<prompt> Human: Im considering buying a 40,000 out the door crew cab truck. Its going to be the all-purpose family truckster travel vehicle, and tow vehicle for the boat and landscaping trailer, etc. I will sell my current truck that is paid off for 14,000, which Ive had for 12 years. The only reason Im switching up trucks is that the current one is too small to fit all four of us comfortably. The new truck wouldnt accrue many miles because we also keep two additional daily driver beater vehicles that have high miles and are paid off. I would probably keep the new ride it at least 15 years.Our gross household wages are stable at 109,000. We have no other debt except for our house, which is 1300 per month. Total net worth is about 200,000 which includes 50,000 cash in the bank. Im 35yo. We currently save about 20,000 per year after expenses, not including mandatory retirement contributions to our defined benefit plans. Kids are 4 and 7.Redditors! I need objective opinions on whether Im overextending myself and being stupid.tldr; Am I a tard for buying an expensive vehicle?Edit to respond to comments:The comment about thinking it not being the smartest thing is spot on. The bottom line is I could do nothing at all and could keep our current vehicles running maybe replace one of the beaters for the next 10 years I fix everything myself. We drive 350 and 250 miles respectively one way to see both sets of grandparents. We have a Suburban thats used for this now, but my confidence in it is flagging because it is a late nineties GM product with 155,000 miles on it. Were transitioning toward using the existing truck for long distance travel duties because of this. SO, this is more of a question of what luxury and convenience of vehicle buying does my current situation allow?The net worth calculation is tough to come up with. Weve got two rental houses that break even with income vs expenses. One has a few thousand positive equity. The other has maybe 30k negative equity. Our total house debt is over 12 million, but 300,000 of that is paying for itself right now. It was just easier to explain before that we have no other debt besides the house we live in. Weve got a lot land worth about 30k with 100 equity. Ive got about 113,000 in stock mutual funds. My wife has about 33k in stock mutual funds shes been out of the workforce for 8 years and 2013 was her first full year back. We both maxed our Roths for 2013. The rest is 50k in the regular checking and savings account. Weve got maybe 10k in equity in our current house. We both contribute 6 of our salary to defined benefit retirement plans that will pay 40 to 60 of our salaries depending on if we take retirement in 20 or 30 years. So, do with this what you will.  <response>: Just reading between the lines from a wifes viewpoint. If Im working full time and driving a beater for the good of the family, I would not be happy if my husband wanted to get a 40k truck to sit in the driveway.I get the feeling you are tired of your truck youve had for 12 years and just want a new truck. Thats a want. I can almost guarantee that shortly after you get the truck, one of your beaters probably your wifes is going to break down and you will go out and buy a new car for her because you feel guilty about the truck or because she is mad about the truck and boom! now you have 2 car payments and higher insurance. 