<prompt> Human: Im sure its in the Wiki somewhere but Im not able to find it...anyways.So, Im married single income with two kids and make around 90k and currently have two vehicles. I pay off my car this month 286, and my SUV 300 in 3 months. Own my own home so no rent, but homeowner normal cost. I have about 10k worth of debt Lowes, Walmart, Sears, etc which I pay off all the monthly due round to nearest 50 235 250.Im interested in getting a F-150 when my car dies 2012 - 114,000mi, however Ive read that the average car loan anymore is around 500mo for like 72mo...and thats terrifying my wife. However mathematically the same as what were doing now, shes cautious that her SUV might die, then well go above it.How should we balance this out?  <response>: Youre in the wrong mindset. Youre asking how much vehicle you can afford when you should be asking how much vehicle you need. Id argue the sweet spot between reliabilitysafetyvalue is to buy a 3-5 year old basic car with 50k miles and drive it as long as possible. This basic, used car will meet all your transportation needs. Anything beyond this like a new car, a truck, a luxury car, etc should be considered a luxury. Then, youd have to look at the difference in total cost of ownership and decide if that delta for the luxury is worth it to you. Also, looking at a monthly payment is the wrong mindset. Look at the expected total cost of ownership including depreciation, gas, maintenance and come up with an estimate of cost per mile. You should be worried about what youre spending to meet your transportation needs, not what the bank gets every month. 