Re: 4x4 or not?
You sound either very conservative or don't earn a good living or don't have a lot of wealth. Here's my take, I'm ultra conservative x1000. More conservative than probably anybody you've ever met. Except, my conservatism and the accompanying choices lead me to a path of a high paying career and a few bucks in the bank. After a while I got bored with crap cars and boats and stuff only to have a bunch of wealth and more coming in every week. After a while you also get sick of rusty, 15 year old cars and cheap everything. While the basis of your decisions is still conservative, you start to buy nicer stuff because you can...not new cars and boats but slightly used and depreciated stuff. Instead of driving 2012 Escalades and Mercedes, we drive GM and similar a few years old. That is what conservative becomes after a while when your paradigm shifts going from very poor to not over a period of time.
I just don't see the reason to spend any more cash to do the same thing.
You sound either very conservative or don't earn a good living or don't have a lot of wealth. Here's my take, I'm ultra conservative x1000. More conservative than probably anybody you've ever met. Except, my conservatism and the accompanying choices lead me to a path of a high paying career and a few bucks in the bank. After a while I got bored with crap cars and boats and stuff only to have a bunch of wealth and more coming in every week. After a while you also get sick of rusty, 15 year old cars and cheap everything. While the basis of your decisions is still conservative, you start to buy nicer stuff because you can...not new cars and boats but slightly used and depreciated stuff. Instead of driving 2012 Escalades and Mercedes, we drive GM and similar a few years old. That is what conservative becomes after a while when your paradigm shifts going from very poor to not over a period of time.