Are you looking to buy a brand new truck? If so, I would want enough to pay for the truck so there's one less fixed cost in the month to month bills. Then I would figure out insurance and other fixed costs and possible unseen issues like tires, normal pm service etc and have that put aside as well. Basically, I would want to try and take everything into account to cover my first year, that way I'm not out any money. If it's a used truck, have enough set aside to potentially replace the truck. An engine rebuild or replacement can run anywhere from $13-$45,000. Transmission can set you back another $8- $12,000, rear end can be up to around $5,000. So you see, it can add up quick and put you in the poor house even quicker.
My advice would be to have all your home bills in order and as low as possible. Have a great credit score and about 10,000 in open credit. First time buyers need about 20 percent down for equipment. 5 to 10,000 cash after you have all equipment in the bank would be a big help.
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I have been through a lot of forums here and haven't found an answer for this.If one would go I to o/o how much would you wanna have saved up before going down that road?It's just something I might do after my kids grow up and leave the house until then tho there is no way to take a big chance on it lol.Thank you for taking the time to read this!