Yeah I couldn't even imagine the financial strain of kids in my life. I admire you're financial responsibility. Just about any one can get financed for a new vehicle, but only the truly responsible buy when they have the cash for it, and that's a value I need to learn my self.
I wish that were true. We actually aren't very good with money. What we save by not having high payments is wasted on other crap. It's fairly depressing actually...