Howabout just switching ins between trucks? Scott this is your father talking.... At 16 you do not need to have 2 trucks. You MAYBE need to have 1 and You should be putting the extra coin you would spend on the second truck in the bank. Remember that right now the median house in Snohomish co is running 350,000. That means that you will need a lot of money to get into one. In 3 to 5 years when you are ready to but you will need something like 5% down plus closing for FHA. That will be 17,500 plus another 5K to 10K for closing. That means you will need 22K just to get in to a house or condo and then you will have an 1800+ mortgage. So if you think about your future (more than the possy you want to get tonight) you may concider downsizing your wish list.