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keep the cash for the home deposit, unless you arent planning on purchasing in short term. You can get a home loan while you have a car loan, but you cant get a home loan without a deposit.

go without a 4wd for now. It will motivate you to save and start investing. Delayed gratification is what its all about. Write a detailed plan of where you want to be in the future, with diferent goals etc. One of those goals is owning a 4wd perhaps. Is it before or after saving a hosue...