C'mon guys. I was 34 when i bought my first new vehicle. It was a price leader stripped 1990 Toyota It had a 4 speed stick and plastic seat (1), am fm and ac. I was working as a quality engineer for Boeing and renting an apartment. No kids. My wife was an engineer as well. We bought a house in 1996. I was 40. I was driving my 1979 El Camino with 350,000 miles on it's third engine and my wife drove the Toyota pickup. Mind you, we were both engineers in aerospace without any kids. In 1999, at 43, I finally could afford a new SLE 4x4. That truck cost $31.5k. I drove that truck for 9 years and had work on it to get 215,000 miles out of it. I was 52, an engineer near the top of my profession in terms of pay, before buying a 2008 fully loaded LTZ when GM was bankrupt and they were clearing out the 2008 because the 2009 had been on the lots for months. I got $12k off sticker, but had to settle for a truck I now have and have wanted to sell since I bought it. Yeah, now I'm buying a $50k truck (-$7k for incentives and wheeling-dealing) at 58 years old and no kids. My point is; it ain't easy for everyone to buy a $50k truck, much less a younger working person that hasn't peaked in his career. Certainly, a bank will let you hang your petunia out pretty dang far and maybe you could get a 50k truck financed. But people have to get real and live within their means.
You want to drive a $50k truck? Get a great career, don't have kids, marry a gal with a great career, and get old. Or become a drug kingpin.