You nailed it. Those data points are very useful too. I think we would have to do financing. We have around 40k in a savings account that we could use but that's essentially our emergency fund.

Advice on the budget tracking is heard. I think that's a good idea. I'm not sure how much longer we can go without a second car but at least 2 more months of shared use isn't going to kill us. It's a huge pain to do 3 stops on certain days (daycare, parent 1, and then parent 2) but probably not as much of a pain as overspending on accident.