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@32983 4 to 5 years is a long time and there's no guarantee you'll even have kids, beside, once you have them you'll only need an SUV when they're older. Let's assume they're 5 when you really need it. That's 10 years till you need the Corolla Cross + 5 years of usage. Are you really going to...

@32983 Do you spend more time in your apartment or your car? Rather get a nice apartment then just get something that'll get you from a to b. Only get a nice car when you don't know what else to do with the money, or you need it (like a family SUV or a pickup if you're moving stuff around a lot).