Here's a few thoughts to ponder....after seeing the new Ford trucks at NAIAS, and ogging the 2015 (with an aluminum, EcoBoost Raptor being conspicuously absent), If I were thinking of buying NOW, I would save like a mad-man on a mission and wait for the 700lb lighter version with the EB engine. But that's me, and that's coming from a guy who owns a 2011 with a 6.2. Don't get me wrong, I love this truck hands down and have no plans to part with it....until the aluminum, EB Raptor makes the scene...which I predict it will soon enough. By that time, you should have a bunch of equity and some mod or travel money. Even though these trucks hold their value much better than average, unless you are paying 7-figures for a museum piece, they aren't "investments" and never look at wheels as such.....for that matter, never look at a house you buy as an "investment" either. IMHO, $60K income and a Raptor out front of your apartment is a huge financial risk to your financial health and the financial off-road trail is littered with the rusting carcass' of big dreams and busted personal balance sheets.
P.S. Having said all that, sometimes you just have to say "What the ****."