I don't understand wanting a truck or SUV.
The average person does not seem very smart. Dozens of people insist that, instead of paying my debt with the highest interest rate, I need to pay the smallest debt first, regardless of interest. I know Dave Ramsay says that, but not absolutely, and when I explain the math, they do not say that I am right, but condescendingly say "Whatever makes you feel better."
While the snowball method is specifically designed to make people feel better, even though it is not the most effective.
I have also had dozens of people tell me that I need to get a savings account and start putting money into it instead of aggressively paying down my credit cards.
I try to explain basic math.
Then I stop talking to them.
People insist that if you purchase a used car you pay for a new car with repairs and then purchase Volkswagen, GM, or Chrysler.
Have you ever heard people say they could not afford to not purchase something on sale?