<prompt> Human: Im conteomplating buying a new 4Runner for about 40k all in to replace my 2k 16 year old beater. I have a total comp plan of 165k cash 140k salary, 25k bonus per year and an additional a management incentive plan of 46k per year payable after 3 years if my company hits certain goals. Its way too early to tell if we will hit those goals, so I dont really count it.I also make 800 rental income per month.Im 31, no kids have a dog that is relatively inexpensive and have a 350k net worth.I own a 620k house and owe about 450k on it. Its a 2500 mortgage. I have no other debt.I have the cash to buy the car outright, but Im thinking Ill buy the car with a 1.24 APR 3 year loan from one of my credit unions and put the cash into a 1.87 APY CDs from another.Im also thinking of buying a vacation house. The one thing Im hesitant about with the above setup is that my DTI will go up significantly, which will reduce the amount I can borrow on a second house. A few coworkers are making a killing off of VRBOing ski houses, which sounds pretty appealing.Am I way out of line going from such a cheap car to a brand new, much more expensive car? Ive wanted a 4runner since I was 14 and feel like I might finally be able to afford one.Ive been doing the frugal car thing for so long this just feels...weird.  <response>: Buy the 4 runner. There is nothing wrong with someone in your position buying a car for 40K. Not to mention you appear to be the type that will drive it forever and a 4 runner will last forever. 