Respectfully, I totally get the whole antiMustashian car thing. It's just not going to happen.
Is there an idea on the board of where the money should be saved? (and perhaps I should have put this in the Investing section) Stocks, short-term bonds, MM? Debt is not an option; we're fine there.
I ask because stocks are so much riskier, but bonds are less favorable for taxation (per Bogleheads) in a taxable account. A MM is "safe" for retaining principal, but pathetic on returns. I'm curious if there's a formula that others follow here, such as invest $30k @10% return for 10 years = "free" car(s) (that might be from Dave Ramsey??)