The price of new trucks is beyond comprehension!

Rule of thumb on how much to tie up in vehicles from Dave Ramsey, is that no more than half your annual income should be tied up in things with wheels or motors. So if you make $100k only have 50k worth of cars, campers, and boats. Paying cash works fine for me, and keeps me from swapping vehicles every few years, writing a check for $50k is much more painful than signing for a payment for go up $50.