I know this is a little old but I myself was in this situation. I was looking at buying a new Lund adventure series this spring and my issue is that I’m a worry wart. I had the money to afford it bewteen me and my wife and we also don’t have kids. I always have that voice in my head like “well what if something happens or what if I lose my job “ I had an extra 1200$ a month that was disposable income and still wasn’t sure if it was smart ! I like @A-Jay way of thinking and also is the same as my wife. Money doesn’t mean value , memories and enjoyment in life is much better than any dollar.