I paid cash for my last boat. Bought in 83. 2 years ago I wanted a bigger well equipped boat my dream boat. I was debt free at the time. I ordered exactly what I wanted. I financed it. Paid extra on every payment of a 5 year loan. Had it paid for in 18 months. I wish I had bought it 5 years sooner. I smile everytime i take off in it. I don't like debt but sometimes having things that give you joy are worth buying how you can.