I'm looking at an 03-06 4runner actually. I guess a cross between luxury and durability? Do you think it's unrealistic for me to spend a few thousand more to get what I want? Am I in a pretty bad financial situation? I feel like I've spent the past 5 years budgeting while being a student, driving my parents minivan everywhere, and I sort of want to indulge a little bit. That being said part of the reason I'm in debt is because I've indulged a little too much here and there (though most of the debt is from paying for school and school related thing). I also feel like I'll only be at this position for 2-3 years before getting transferred to a corporate office, at which time I definitely wouldn't want a truck, whereas an SUV could still be versatile? Sorry I know I initially said "truck", but that's just habit for me to refer to bigger SUV's as trucks too, redneck Canadian thing I guess. You'll get to indulge soon enough. However, being foolish now will hinder your path to being financially secure. Wait a few years for the "luxuries" and pay off your debts now. You won't regret it.