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You have to make a choice. To make that choice, it's better to understand the long term costs. Say you delay buying an IP for 2 years. That's 2 years of growth you miss out on, and the IPs you could buy using equity from that, etc. You 'need' it for 'wants' (spontaneous trips). There's...

Do you 'need' a 4WD, or do you 'want' a 4WD? Saying you 'need' a 4WD because you 'might' do a trip up the coast is just an excuse. By buying a smaller car, the savings over 2 years would probably be enough to rent a 4WD for the trip. The whole thing boils back down to 'do I consumer now or...