I bought the biggest truck the dealer told me I could afford and paid cash of course. They mumbled something about 28-36 something or other, which I thought at first was because I am 29 years old, but my google search "how much truck can i afford" set me straight. Also, it's an investment and plus you have to drive something and I want it to be nice is that a crime. Maybe I can rent out half of it to a friend if I need extra cash flow, that's pure 100% profit don't have to pay off a loan. You don't want to be 65 and paying on a car loan it'll ruin your cash flow!! People say you can deduct the interest but that's only if you itemize, plus everyone forgets about inflation when they say the stock market returns 10%.