I would never buy an SUV in the first place, cash or not. It's so polluting, wasteful, and doesn't make economical sense. My first car is a Prius 2001, which I still have, and which I paid for in cash. I intend to use it until it stops running, which I hope will be for at least another 5 years.The consumer debt that I still have is a result for an irresponsible ex-partner. He ran a lot of debts, some consumer, some business. I tried to help him and took loans on his behalf. He repaid about 1/3 before he got into alcoholism last year. I finally called it quits with him 2 months ago. I'm stuck with the bill now. At least we weren't married (we couldn't legally have been), so he didn't get at any of my assets - mainly the $400k home equity.I pay for all my own purchases in full every month. Some months I spend less than I make, and others I spend a little more. Over the long term it's been a wash.
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