 This is 40's too much. You don't need to have more than half your annual income going into things with wheels and motors. And you will have more than that with her van and your 40 truck will be more than half your annual income. So we need to back your truck down to 50 minus her car value. We'll call her car value 10 for the fun of it. That would put you at 40. But 30's going to be fine. That's enough.