<prompt> Human: I really want a pick up truck. After my trade in and a down payment I can get the truck I want for 450 per month for 60 months. Between my wife and I our take home pay Is 4600 per month after tax, insurance, and 401k contributions. We have no debt other than our mortgage which is 1,023month. No kids. We contribute 15 of our income to our 401ks. And we have a nice savings worth about 4 months of bills. Based on that do you think 450 is a crazy amount for a car payment?  <response>: First, read this article and ask yourself, what kind of truck owner am i?Very rarely is the answer to buy a brand new pickup truck. 