An $80k purchase is far more affordable when you're looking at an 84 month loan. You trade in your current $20k truck with $30k in debt on it for your $80,000 car, get a couple grand in incentives and a $10k down payment, and boom you're only looking at a bit under $1,200/mo in payments. The median household is bringing home ~$84k before taxes, hypothetical person lives in a no income tax state, they take home ~$5k/mo. Easy peasy, its not like you were planning on taking any vacations anyway since you're always working.

What matters is you've got the Duramax HD King Ranch TRD Big-Boy machine. Doesn't matter the cost. You can tow anything, drive anywhere, do anything, and do it all in comfort. Other than parking in a normal parking spot comfortably. Or even park it in your own garage at home.

I've seen this exact scenario many times personally.