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[Music] jared is with us in minneapolis hi jared welcome to the ramsay show hey dave how are you doing better than i deserve whats up well we have um completed most of the baby steps we are now max funding 15 between our roth 401k through work and our roth ira um and we have some money my wife needs a new car our household income is a hundred and sixty thousand dollars a year um and we are ready to pay about twenty five thousand dollars cash for a new car for her good however that being said the used car market is ridiculous right now agreed and for example i just out of curiosity put in an order on a ford pickup truck its like the little ford maverick i built that for 22 grand and its going for 35 grand used on the used market right now so im just wondering um are we in a situation where it might be acceptable to buy new if youve got the cash for it rather than buy used because im going to reap several benefits just from warranties it never being driven by somebody else and all