You're listening to Ramsay every day millionaires or we talk retirement building wealth and outrageous generosity.

Sean is with us in Colorado Springs. Hey Sean welcome to the Ramsay show.

Thank you for taking my call Dave. How you doing? Better than I deserve. What's up?

So down in daily normal life for a long time, it's been on baby step seven and three baby step seven. Good for you.

And we have our six month emergency fund based on offer. How much we know we can live off of in a year.

We have saved up a lot of money. This recently came back from the point that we saved up the special amount of money that you should sit in there.

We've saved up a lot of money. We've saved up a lot of money. We've saved up a lot of money. We've saved up a lot of money.

So the question is, I have an old day's end and beat or truck. And everybody keeps telling me, hey man, you've been so well, why don't you upgrade?

All you need for this is, I know I'm a million retirement. The wife of state work. I'll be in the time and I still got to wait on that.

I'm going to see you come up or if I'm just being too stingy with myself and I get to live a little bit and upgrade. We are worth, we are going to many years. So you're, you know, your policy is worth a million dollars or more cash for the vehicle.

But I got other things come up like a certain time. Do I upgrade or do I just hold off?

How expensive a trucker you're talking about buying?

I don't think I can ever just out now buy a brand new vehicle, especially right now, either twice as much that you could be.

Let's pretend that you did. What was how expensive a truck would that be? What would you spend?

60,000.

And you have a net worth of what?

1.2 million.

And a household income of what?

Approximately 100 to 120,000 a year.

The way I make decisions on things like this is I ask myself because this is just a luxury item.

Okay, it's just something fun to buy. It's all it is, right?

Not necessarily.

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