[Moneyguy1]

Cerg:

The Passat in question is a 1993. Bought used. Replaced a 1986 Sundance (loved that car..hatchback; still ran well after 150k miles). That should answer your question re: my choice of wheels. Things last out here in AZ.......Could I afford new? For cash. In a heartbeat.

Sermon was deserved. The only reason I can figure to own a Cayenne is to impress, since there are many less ostentatious vehicles out there that will haul more, seat more people and cost less to own and operate. (no third row of seats, no spare to name some drawbacks) Of course, the Porsche company laughs all the way to the bank. Believe me, really rich folks generally do not own high end cars. As I drive through upscale neighborhoods, I often wonder if the residents own more than the doorknobs. I have counselled hundreds of people in just such straits: too much house, too much debt, too soon. It hurts to see it all unravel.

Come up with a way of paying for the services you get that does not include taxation and you will be a hero to the masses!!!

Like I said, those with the most money seem to complain the loudest about the system. Things change little. To quote Scrooge: "Are there not prisons? Are there not workhouses?"

Nothing personal, just never developed a taste for owning the most expensive or the biggest of anything, so I have nice home,no mortgage, no car payments and no outstanding debt. Life is sweet!!

And yes, I do take the distinction between "need" and "want" seriously. They are totally different things. I do not think I should have to elaborate. As a financial planner, these concepts are very important in bringing someone's financial health back to normal.