<prompt> Human: Ive been wanting a Ford Raptor ever since they were first released in 2010, but at the time I definitely couldnt afford it even at MSRP, which rarely happens because almost all dealers mark them up. Right now there is a dealer by my house with 4 Raptors on the lot. They are tacking on an extra 30,000 markup because its a specialty truck and it is in VERY high demand. There are 2 reasons I want to buy it. The main reason being, its my damn dream car lol. Ive been working 60 hour weeks for the past 9 years. Im 31 and my 20s were a blur because I worked so damn much. Ive never once owned a car that I actually wanted, and Ive never bought myself anything significant as a kind of reward for my hard work. I think the most expensive thing Ive ever bought myself was my rifle. But technically even that wasnt a major purchase because I built it piece by piece of the course of a year and a half. So this is kind of a reward for all my hard work.The second reason being the low depreciation. For example, in my area there are a few 2010 Raptors for sale. The lowest priced one is 29,000 and it has 140k miles. MSRP for new 2010 Raptor was 39,000. So after 8 years it only lost 25 of its value.okay so lets get down to the nitty-gritty. My financialsTotal Savings: 25,000My Profit Sharing: 50,000My wifes 401k: 20,000My average weekly paycheck is 1,300My wifes average bi-weekly paycheck is 1,200 so 600 a weekCombined net weekly income is 1,9001900 x 52weeks 98,800 ÷ 12 months 8,233Now to play it safe Im going to round up my utilities to 100 even though most of them arent even close to 100.Electric: -100 avg 50Gas: -100 avg 25WaterTrash: -100 avg 50CableInternet: -100 contract 80Cell Phone: -150Insurance: -314Truck: -664Fuel: -200Groceries: -400Savings: -1000Rent: -2750Total Expenses: 5,8788,233 - 5,878 2,355Now the Truck...2018 Ford Raptor: Total Cost with taxes and fees 59,450 - 10,000 down 49,450 to be financed.49,450 at 5 Ill probably get a better rate but this is just a worst case for 72 months yes I know 72 months is horrible but cut me a little slack gives me a payment of 796, but lets just call it 800.Insurance would go up so add 50. BUT right now, our insurance cost is for both of use being covered on 2 vehicles one is paid off thats why its not listed so she would be covered on her truck and I would be covered on the Raptor. No way in hell shes driving the Raptor lol. So, my insurance might actually go down.2,355 - 850 1,505So in the end, Ill be left with 1,500 for luxuries like eating out, entertainment, shopping etc. REMINDER that is after putting 1000 into savings. So... Can I REALLY afford it?Give me your thoughts please.  <response>: Not even close to affording this truck. If you really want one, save up and pay cash. Pay your car payment into a savings acct. 