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This was/is a good thread. Lots of discussion, just enough flame to keep it interesting. Plenty of things to think about. My hat, (not worth $6) is off to all.
You can use credit for cars, homes, etc. but toys need to be cash IMHO.
So a car isn't a toy, so it's OK to go in debt for one? Now that makes sense. Ya Right.
Cars are the worst wealth killer there is out there. Everybody seems to just HAVE to have one the day they turn 16.