I also own all my stuff including my Chevy and boat, I worked my ass off getting my kid to the pros in motocross and to buy my boat with cash. I use some cards to party down at the river, but always pay em off. I hate taking a dime out of the savings for anything, you can come over to my house and i'll buy a shitload of beer and BBQ, but don't ask me for a dime.
I was paying $1600 a month for my Daytona. Combine that with a $500 a month insurance bill and $250 a month to store the boat. It was costing me almost $2400 a month before gas and beer.
I was taught at a young age that toys are a luxury item. No cash=no toys. Have yet to finance a toy. My wife wants a baller boat. Told her better hit the lotto or start hookin on the weekends. Haha
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