It's one thing to say I want a truck, and another thing to go out and buy a truck. It's OK to want a lot of things… I like to fantasize about purchases at times.
Would your husband agree to listen to Dave Ramsey?
My husband wants a new car. He dreams about it. But, he gets that our cars are working great and that we don't need a car. When I talk about saving money, I am thinking INVESTMENT, and when he wants to save, he thinks CAR. We are both agreeing to save money, LOL. When we need a car, we will work on paying cash and getting something that is nice and that he likes but that doesn't screw up our net worth too badly.
He really, really is hot on the car thing. I am not going to argue with it now, because our plan is to save, save, save.
We are trying to have monthly, or every other monthly savings/investing/goals meetings. I cannot get him to get off the car thing, but… I can help walk him through the numbers and ask him how much we should throw into a car vs. have in the bank. You don't get rich on depreciating assets.
See if he will drive an El Cheapo truck or an El Cheapo minivan. :-) There may be a way to do what he wants inexpensively.
If he just wants the shiny new thing, let him talk about it but keep him away from the dealers!!!!