Question: I'm 29 years old, earn $75,000 a year and have $130,000 in my 401(k), $5,000 in a Roth IRA and $50,000 in a savings account for emergencies. I save roughly 15% of my salary each year for retirement. I currently drive a seven-year-old Honda that's fully paid off, but I've been thinking buying about a new Lexus that would cost $43,000. I'm not sure I can afford it, though. I would put $15,000 down, which I have in separate savings, and finance the rest with a three-year loan. But that would leave me with a rather high monthly payment, so I'm wondering if I'd be better off saving more for a larger down payment or taking out a five-year loan instead. What do you recommend? --Y.S., Philadelphia, Pennsylvania

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