Just my opinion

Here's my scenario. About 14 years ago I bought my last camper. I financed at 4.2 percent. I kept the "cash" invested. Over the 12 year life of that loan my "cash" earned over 7 percent average annualized return. I am ahead about 3 percent plus per year. Paying cash for me would have been dumb.

You're assuming it is an either/or scenario: either I buy it now or I wait 10 years and pay cash and miss the opportunity. That's a false dichotomy.

How about a third option? Find a way to pay cash, sell something, get a second job for awhile, spend less on other stuff. The average car payment in America is over $500 a month -- drive something else.

Your interest rate calculates out to 3.3ish. What if someone with less than quality credit does this at 8 percent - 10 percent? Is it still a good idea? What if it's a $80,000 trailer instead of $14,000? Still a good idea? Your scenario is a bit of a straw man argument.

What if you had invested that $4,000 over a 10 year period? That's missed opportunity not included in your calculations. You really missed out on $4,000 plus what you could have done with that $4,000 to make more money.

As my grandmother said about interest, those that understand it
get to receive it and those that don't understand it get to pay it.

"So for the ones on here that always bring up the stupid comment about saving up to pay cash"

Hmmm. Disagree with Locky and you are....

Same goes for posters berating RVers that choose to buy new RVs.

Locky wrote:
I have noticed quite a few times on this forum when people talk about financing a travel trailer they will get responses saying "save up and pay cash". Well here is my take on it:
I will use my exact scenario. I bought my trailer new in 2006 for $14,000. I financed it for 10 years and when my trailer was all paid for my total amount was $18,651. So it cost me on average an extra $38.65 a month in interest. I think that was money well spent to spend the quality time i have had with my kids and now grandkids. So for the ones on here that always bring up the stupid comment about saving up to pay cash for that......well enjoy sitting at home saving while the rest of us are out enjoying mother nature and making memories with our family.

Exactly :)