Good point. Never really thought of it like that.I'm not a fan of debt either...However liquidity is more important to me...I normally put at least 50% down and finance the rest to be paid of in less than 2 years--Sometimes faster if it's a toy. This way I keep most of my liquid funds and I have an easy-out if I have to sell it for some reason. Might sound idiotic to some but it has worked for me over the years.