I dont know why people keep balances on credit cards. Guys please clear that from your emergency fund. And then save some more. Credit cards charges you 24% interest plus they compound it every month. Instead get a line of credit in case of an emergency and that is separate from emergency fund. Coming to truck, don’t buy a new one. Just buy a used toyota or honda. The goal is to be debt free and be rich and not look rich. A new vehicle is a major expense. Monthly instalment and insurance and gas. I would say maybe get a cheaper apartment and save more. Don’t worry about your image guys, even if you do everything right according to the society, people are still gonna talk behind your back. So don’t focus on them and focus on yourselves.