Here is a money tip, spend only what you make. If you only spend the money you have and no extra, you will not have a debt crisis. For many “keeping up with the Jones'” is a real problem. By the time you accrue all the toys that they have, you can’t pay your light bill. Remember, living like no one else now so you can live like no one else later is the best route you can go. If you can wait until you can afford to pay for a Lexus with cash, you are much better off than if you must sell your first born for it. If you are in a debt crisis, you may consider selling that Lexus and driving a used Kia you paid cash for. An extra $400 dollars a month (moderate average on car payment) for five years will buy you a $24,000 cash car, put that into a 12% mutual fund for five years, you are looking at 34,000 and some change. I think you could afford that Lexus then. By the time you have $34,000 dollars cash, that Kia may look pretty good!