Very true. I’ve never had a car loan or a loan for any of my toys like campers, motorcycles, boats, dirt bikes etc… Because I save to buy and buy used. I still have tons of shit I don’t need, I just don’t buy on credit. I’d love to buy a Tesla brand new, but I have too many cars already, I don’t have 100k laying around, and if I did I’d be a fool to not pay off my house.