Audio Debt?

If I have the cash I can afford it. Otherwise I have to save more or whatever. At this point I use one credit card and keep a thousand limit on it. I have no other credit cards. The only reason I have the one is after trying to go without one found that I couldn't reserve rooms at the beach etc without it. Wish I didn't have it actually but in this world everybody thinks you're a flake if you don't have a credit card. Kind of funny actually because a high percentage of people with credit cards get themselves into trouble and I consider that to be not too bright.

Got Bayliner 242 and booked for 15 years/$365/mo.
Now THAT's a TOY or even my second home!
Thinking of mini HT sanctuary down there (damn, cash only this time...)
Need sub 8"max, sub-amp, 12V 6champ or a combo of a few, tweeters(haven't decided how many) and main speakers
Parts Express, Digikey will do...

Although many of us may not be using credit to buy audio or pursue other hobbies, I wonder if it ever crowds out necessary savings for retirement, etc. The US savings rate is pretty crappy.

As I said before, why not finance when it makes sense? What's the difference between financing audio equipment or financing a luxury car when all you need is something much less expensive? The reason I bring this up again is that I remembered that I did finance a system -- my very first!! For $500, I got a very nice JVC receiver and a pair of AR 10 speakers. That was 30 years ago and I still own them (reconed woofers) and my son now listens to the system and loves it! Was it worth it? Absolutely!!!

stick with used gear and screw the urge to upgrade(most upgrades are 'objectively' more different-than-better . have other interests and learn enjoy music in other enviroments than your home. sometimes even the cheapo radio in your car with the windows down is an experience no hi end stereo can come close to.......weed helps too...inagadadavida