I can help you...
Go to "Explorer FAQ" and look under advice for 16 year olds....That should be a big help... After you do that, come back here and read the rest of this...
I'm figuring that you are not the one paying for this vehicle and that your father is the one. I'll tell you that if you do end up doing all this, your father will be more than happy to give the payments to you. The advice given on the Explorer FAQ is good, even though it's not what you want to hear. I drove my dad's Explorer in high school and I now own it for the most part. Owning it intails that I have to pay for everything. Everything that goes wrong and needs to be fixed costs money. Now I had a special situation. I was a DJ thoughout high school and I still am to this day and I needed something to haul my equipment. One thing about DJing is that for a high schooler, I made a good amount of money and was able to pay for whatever I needed with a good amount left over, and this was working just one job a month which I usually had more than. I made in three hours what my friends made in one month. Most kids did not and do not have this resource, you would have to work everyday of the week (taking time away from school work) and barely break even. What I'm trying to tell you is that you shouldn't do anything that you can't afford, and the truth is, you can't afford it on your own. I was lucky, I had a job that took up little time and effort, and I'm not telling you to go out and become a DJ, that would be dumb. What I am saying is, eventhough your Dad is funding this vehicle and your sitting on a stash of money that you don't have anything to spend on, things will change. If you were my kid and said that you wanted to lift it and do all of that which you want, I would tell you good, than you can pay for the insurance and monthly payments. You may think that you have all the resources that you need (Exporer, money in the bank) but the truth is, things change and they will not be enough, beleive me, just wait until you get to college, then you'll see how much you have in the bank. You'll probably end up trying to pawn that lift within the first three months! The only thing you can and should do is maybe ask for larger tires, you can probably fit 31's on a stock truck, and yes, it will most likely void the warranty, your dad is right. Take some of the money you have and invest it, that's the best advice I can give you, so by the time your done with school and you have a career, that money has grown. You can continue to let it grow or take it out and lift your truck and do ten times as many mods as you had originally planned. I know you may be thinking, "What does this guy know?," but the reality is that I was in the exact same position as you. You prabably think I'm some old fart who doesn't know a thing. Well I am a freshman in college, although I must say I am very mature for my age. I had the same delusions of grandure as you, you just need to be more patient. Be happy that you even have a nice new Ford Explorer, some teenagers in this world would give anything for even a Pinto. I'm also thinking that you want this lift because you think it would look cool. Don't worry about looking cool, beleive me. The people you know in high school will mean very little to you down the road. Forget all the pathetic popularity contests and what not, you will be more likely to earn their respecting 20 years from now then you have right now (The Millionaire Next Door). In high school I was a DJ and drove a nice Explorer that everyone loved, but it means nothing now, and it shouldn't of then. The best thing I can tell you is, don't rush life because it was never meant to be rushed. Be happy with what you have and with who you are now. When yo try to follow the crowd and do other things to "rush life," you'll only find yourself unhappy. The only person you can please is yourself, you can push the issue and spend the rest of your life trying to be happy or you can slow down and say "Hey, life's not that bad the way it is." People respect you for who you are, not what you have (Especially if you have a 98 Explorer with a 4 inch lift) and if you think that's wrong, than your confused about what respect truly is. If your living life for other people, than whose life are you living? I'm not sure if your motive is to have an offroad truck or the cute girl in your English class but I'm going to end my disertation on high schoolers with Explorers now, I could go on, but I won't. I hope that you take this advice and the advice offered on the FAQ to heart. I want you to know I'm not picking on you or mocking your decision, just giving you my 2 cents.
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Tim Y.
1996 Ford Explorer