But would it have been cheaper paid out in cash at the beginning? There's still financing costs, no? Thought the last new car I bought, had a $1k difference between cash and finance over 4 years. It's possible the $$ put in an investment would have made more then the $1k over the 4 years...or not.
everybody is in a different spot financially, nothing wrong with financing a toy if you have done some basic arithmetic and realize most toys will depreciate really soon after purchase and getting out may mean a haircut if you bought with a long payout period, its really easy to be upside down for the first couple years.
Cash will always be king, but you have to have it....