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SamuelRSmith said:

What are you preparing for? The higher fuel prices, or the fact that credit might not be so easily available over the next few years? Or is it something more personal?

Just the future economy. Saving 30-40 grand over the next 10 years just seemed like a smart move. Who knows if I will get laid off, or the company I work for goes out of business.

I live in a house that I currently owe 20-30 thousand more then it's worth. Not sure how that's going to play out in the future. I live in a community where if I lose my job, I have to move (only one place in town does software development). So, just a lot of variables that worry me. 

I figure there is no downside to reducing my expenses :)

Oh, and Squailliam, no. A sun roof just doesn't cut it. The convertible is to keep me off a bike. It works well. Sunroof != open air driving :)