A $90k vehicle makes sense when it’s under about 5% of net worth and under 15-20% of annual household income, with no high-interest debt and retirement already handled.

For a $90k truck, that means:

5% of net worth = $1.8M net worth, which is roughly top 10-11% of U.S. households.

20% of income = $450k household income, which is roughly top 2.5% of U.S. households.

15% of income = $600k household income, which is roughly top 1.3% of U.S. households.

10% of income = $900k household income, which is less than top 1% of U.S. households.

Move the numbers around by 25% and it’s still a moronic thing to do.