Finance the vehicle, put your money into some kind of investment. If you look around you could probably find 0-3% financing on a new rig. If they are giving the money away at the rate of inflation or lower, you'de be crazy not to take em' up on it. If you want a 4-runner, go get one. Put your cash into an account and put that shit on auto-pay, you credit rating will thank you. Make xtra principal payments to cover the difference in cost. Or buy domestic because our trade deficit with Japan pisses you off. I drive a chevy Astro Cargo Van. Zero cool factor. I Love it. Live in it when I fish. I paid $18k brand new.