Has anyone ever read the book "The millionaire next door"? If you have, you'd know that the majority of self-made millionaires pay cash for their vehicles, drive them 11-13 years and then sell and repeat (and the majority of them aren;'t driving Jaguars and Bentleys). I don't know what you're all driving, but a new Toyota will easily run 11 years with minimal problems, and any maintenance costs will pale in comparison to what you're shelling out monthly for a spiffy new leased vehicle (incl. insurance, licensing, etc...). Personally, I'd rather retire and send my kids to school than drive a big new truck. For those of you out there who can afford to do both, disregard that!