re: Buying a New Truck.

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Ultimately it's your money, and you can spend it however you want. My question would be, look at maybe a $30K truck. The depreciation on vehicles are ridiculous, so I would try to squeeze down a bit on expense, but that's just me.

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This is good advice. A 2015/2016 Toyota Tacoma or Chevy Colorado 4 door could be had for under $35,000 very well equipped...and even less if you are cautious with the options. They would get better mileage than a full sized rig, take up less space in the driveway/garage, go almost anywhere off road, last hundreds of thousands of miles, and tow 6,000-7,000 lbs.

For 90% of truck buyers, that's a perfect fit and a reasonable price.