Lots of great advice in this thread! Didn't think I would get the number of responses that I've had to far.

I was just in this boat. Sold the track car, kept the 4Runner.

Working on making our first child. In a couple years im building another track car.

Keeping up with the Jones's, I played that game. Worked great when I lived in the hood not so much any more. I have neighbors that spend more on artwork than the lifetime earnings of probably everyone added up on this thread. Neighbor lady takes the private jet back and forth for work.

People kept door dinging my cayenne turbo s and then some lady with minimum insurance totalled it at a stoplight. So bought a ram tradesman trim and dont worry about any of that any more.

Started a retirement account for my daughter before she was even born. Just a couple hundred a month. Shes 3 1/2 and has more than so many adults (because of their bad habits)

Sell the piece of shit Honda start a brokerage account for your child. Far more people will be impressed with that then your civic.

If you know more about sports then finance then your priorities are ****ed.

with a new baby on the way maybe its time for your old baby (the civic) go. It will give you more time and money to enjoy the new baby.

I recently went through this. I have a 4th gen v8 4runner that's paid off (I should hope so since the EOL for 4th gens was 2009 lol). I had a subaru sti that was paid off -this was the "fun car". I got the hankering for some horsepower and traded that in for a jeep srt which I shortly paid off within a year. The jeep started giving me typical jeep/dodge headaches so I got rid of it for my 4runner. I put a large chunk towards of the srt proceeds towards the 4runner and took a small chunk to throw into a high risk stock. So, I'm making payments on the 4runner for 1 year (the cost of borrowing is so low, the 3.99% is negligible). I have a 2.5 year old kid as well that's about to start a $1600/month day care.

In the interim, I got the itch again am looking for a summer car. I have a race bike and a dirt bike so I can get my jollies through that, but I really wanted a dedicated, powerful summer car again. Right now I'm eyeballing a mercedes c63, but my common sense tells me to hold tight because I can always buy a summer car. There'll always be cool cars downt he road so I'm wondering why I'm pushing things so hard. After reasoning with myself, the smart thing to do would be to wait until my kid is done her ridiculously expensive day care. After that, I should have more in the bank to pay off most, if not all, of my summer car (depending what I want -an LS6 swapped FD would be ****ing amazing).

So yeah, I suppose my message is to be patient. You got a sweet daily, be happy with it, get kid through daycare, and then buy summer car. It's a 5 year detour but in the long term, you get a car that's possibly paid off outright without any of the stress of payments.

We're about to start trying for our first kid. My wife has a 400hp BMW that she daily drives but shes realizing that we should probably just make her car our fun car and pickup a smaller crossover for her to drive like an X3 vs buying a true weekend car. Me personally, while her car is fun, there's just something more fun to me about driving the 4runner.