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I agree that Mrs. X should wait until the car fund is enough for the 500 series. If Mr. X is being stingy on this decision that's his choice but this can be used as leverage by Mrs. X in the next big money decision discussion. Shouldn't going through childbirth and raising children earn you some extra triple bonus points sometimes?
Mrs. X didn't settle for second best when she married Mr. X. Why should she settle for second best when she gets a car?
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