<prompt> Human: Hello,Sorry for another car post.My wife and I have paid off cars 2002 Toyota and 2008 impala.She drives the impala. We had a baby a month ago and have realized we can barely fit 3 people and a baby in the impala let lone bring the dogs and kid anywhere.She is really wanting to go buy a 25k suv but I cant help but feel like we are falling down this trap of being a typical Americans with too much debt!Heres our stats.Savings: 15k emergency fundChecking: 20kHome equity debt 55k at 5.5 adjustable.Monthly mortgage: 1750moUtilitiesphonecable: 300The home equity debt was something we did as we got a killer deal on a home but it needed repairs and we remodeled it. Now we have a lot of equity in it but still that loan. We could sell and make a profit but love the home.We were offered 3.5 on a 25k auto loan so I was going to take 15k from my checking and put it towards the heloc and put 5k in to my sons college fund.We make 230k a year together. Do I cave and buy a family mobile?Edit:The 230k is new within the last 6-months as it was 135k joint income. We share everything.We nuked about 25k in student loans already and the rest has really gone in to reducing our heloc and paying for what we could in addition. We could probably be better but we do save a fair amount.Edit Add 1500mo in daycare starting next year.  <response>: We make 230k a year together.If thats the case, you should have more in savings and checking.Honestly, thats a take-home of about 12-15k per month. Just save for two months and buy a lightly used SUV for between 12 and 20k. You have the income to afford all sorts of things.That HELOC is high for what it is.If you need it, let the SUV be the incentive for killing off the HELOC and getting adequate savings built up. Theres no reason - other than overspending - for your savings to be so limited when your income is so high.Now, I might be misreading things and youve got substantial assets you havent listed. But in any case, youve got other debt you should address before you add to the load. 