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I have been through it and I think there is a spot for a 4X4. I have $200 blow money every month and some months I put some in an account to go toward admissions and gas. Some months I have have to use it for broken parts. It may take me longer to get out on the trails, but Ramsey has definitely changed me and my wife's life. WE are working toward paying off our house now. Hopefully I will not have a Credit Score in 10 Years. (For those who have not been through the program, If you don't have debt you don't have a credit score). Once that happens there will be much more money for Wheeling.