<prompt> Human: Not coming in here to bash but it seems that everyone has issues with high car payments. Private school tuition is another gripe. My wifes SUV note is just less than 1,200 a month. My truck is 880month. Private school tuition for my two kids is 1,200month. My wife and I combined make 190K. We have no student loans or credit cards. Ten percent of our salaries go to our retirement plan. We save 2,500 per month. We have 180,000 in the bank. We like nice things.Is this a bad thing?  <response>: Define bad.As Ive stated elsewhere, everyones entitled to a vice. Maybe two.In your case, though, you should definitely be ramping up your retirement savings before dropping 2Kmonth on cars. Youre spending more on your cars than on your retirement. The problem such hefty car payments pose is that it limits elasticity - if you or your wife lost your job tomorrow, then youd struggle to dial down the spending.And 180K in the bank could mean a few things. If thats your total retirement savings and liquid assets and youre 40, thats not great. On the other hand, if youre 25, have 180K plus a bunch of retirement savings, youre doing just fine.So a lot more detail is necessary here to make an assessment, but its not per se bad to like nice things. Its just bad when those nice things today mean youll be driving a 2020 Oldsmobile in 2040 when you retire. 