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Reading this thread you sound like someone who already made up his mind, you want the new truck. And you don't really care how bad of a financial decision it is. In your first post you told us the bank is "iffy" about giving you a loan. Sounds like you can't afford it. Do you need us to tell you "Don't spend more than you earn."
If that's what you want, I'd do this. For starters, don't rush anything. You need to put the brakes on your current excitement and think it through. Make sure you find exactly what you want. And be sure you are not buying based on emotion.
Second, ask yourself, Why the F do you have to buy another brand new one? Do you just enjoy being the person who finances and takes the hit on a depreciating asset that's going to lose most of it's value the second you drive it off the lot?
Third, can you find it in a late model 2013 or 2014 that someone else already returned? They will have eaten the depreciation hit for you. Usually under 15K miles, but generally will have 5-10K off the price the last guy paid.
Fourth, research your trade. I'm sure there is more than one Dodge dealership around you. Find out whose willing to give you the best value.
Fifth, if you can't get a decent trade, look into refinancing your car loan. Do it right before your most current payment is do. Most times you'll have 48 days before your first payment when you refinance. Time it right and you can usually squeeze in 3 months of no car payments. This gives you time to pay yourself your car payment and turn it into a down payment and go get your new truck.
Lastly, why didn't you get all this the first time around? Making bad decisions just something you regularly do?
I'm not personally in the habit of spending 30+ K on something I'm not going to like in 4 months.
Good luck with all that.
