More of a refusal to get ourselves in trouble than anything, really. We're doing okay now and have a reasonable safety cushion, but if we got the car, if either of us lost our job or our ability to work, we might lose everything. Mortgage + car payments would eat away very rapidly at our savings. Being debt- and risk-adverse people has worked for us thus far; a shiny new car isn't a good enough reason to change that habit. :)

Plus this way we can afford a working master bathroom sometime in the next year! ^_^