Just my opinion

Well, it looks like most everyone has weighed in on this. Before it gets to 'lively'...

Closed

fulltimedaniel wrote:
I think what so many are responding to here DS is that your posts on this subject here so far intentionally or otherwise can be viewed as a bit smug and self righteous. And I think that was the intent of the OP's original comment. When a few well known folks on this site respond it is always in ways to tell the OP or others how they should live their lives. They rarely address the topic.

This is how the comment: "You should pay cash" often sounds. Smug, self righteous, elitist and frankly ill mannered.

Your great good luck as you put it in another post (a veiled way of letting everyone know how smart and hardworking you are and what a great decision maker)is just so much self aggrandizement.

Once again as so often happens in so many threads instead of discussing the TOPIC a few derail the conversation to the personality actions and lifestyle of the Original Poster. This is becoming endemic here. I for one am sick to death of it.

Now just a question: Did you pay cash for your house? AH! I thought not. So really you are in the same boat as everyone else. Lets drop this needless and yes stupid argument over paying cash or not.

The OP's opening post was an opinion about financing vs paying cash. Opinions invite rebuttal, differing opinions, or agreeing posts. The thread has offered many examples of each.

Just because you think "You should just pay cash" sounds "Smug, self righteous, elitist and frankly ill mannered." doesn't make it so. Sorry, you don't get to be the arbiter of opinions.

And exactly how has this thread been derailed? It never had a clear course from the very beginning. The OP never asked for a clarifying answer, or more information. He posted a hot topic opinion, and has been rewarded by many more opinions.

BTW, if you feel "This is becoming endemic here. I for one am sick to death of it.", there's a very easy cure: use the "Hide" button for threads you don't care for, or a more extreme cure would be to simply leave the forum.

Paying cash would only make sense to me if there was a cash discount to offset loss revenue from $ pulled from investment OR you have your $ buried in the backyard (typical bank savings account). Otherwise you are cutting a branch off your money tree.

beemerphile1 wrote:
Remember the weekend it rained non-stop? Remember the crummy camp wood you couldn't get to burn? Remember the trip when you visited the Grand Canyon? Not one of those memories requires a financed RV.

Remember the year we spent most of the summer traveling from place to place in the RV, while we used our computers to do work and school on the road each evening and on rainy days?

Remember our friends who joined us for 2 weeks on the road as we visited all these places and stopped for lunch along the way during rush hours and had hot meals in the camper at truck stops?

Remember those times we were 30 miles from civilization and how nice it was to have a toilet and shower, fridge and microwave?

Yeah, we really enjoyed that camper. So GLAD we did that instead of letting the kids hang out at the mall all summer.

Different Strokes, as they say ;)

(Just counter-pointing. You are entitled to do it your way, too ;) )

I vote for MORE CAMPFIRES and LESS DRUGS for our youth.

Just another "My way is the only way" post.....

beemerphile1 wrote:
It is a sad, sad day when people are so brainwashed by the financial companies and marketing agencies that they believe the only way to live is by borrowing money.

If you have $500, then you buy a $500 RV, it is a no-brainer.

An RV IS NOT an investment, it is an expenditure and a frivolous one at that. I see no justification to take on debt for a frivolous, unnecessary, massively depreciating asset.

You can make the same family memories in a $50 tent as you can in a $100,000 RV. Family memories are about time together and conquering obstacles, not about the vehicle.

Remember the weekend it rained non-stop? Remember the crummy camp wood you couldn't get to burn? Remember the trip when you visited the Grand Canyon? Not one of those memories requires a financed RV.

fulltimedaniel wrote:

...Now just a question: Did you pay cash for your house? AH! I thought not...

Now who is being smug?

A house is a purchase that can in all probability be expected to go up in value and financing is reasonable. A new RV will only depreciate.

It is irrelevant to the topic but yes, I did pay cash for my house. I now live in the seventh house I have owned, numbers one thru five were financed to some extent.

It is a sad, sad day when people are so brainwashed by the financial companies and marketing agencies that they believe the only way to live is by borrowing money.

If you have $500, then you buy a $500 RV, it is a no-brainer.

An RV IS NOT an investment, it is an expenditure and a frivolous one at that. I see no justification to take on debt for a frivolous, unnecessary, massively depreciating asset.

You can make the same family memories in a $50 tent as you can in a $100,000 RV. Family memories are about time together and conquering obstacles, not about the vehicle.

Remember the weekend it rained non-stop? Remember the crummy camp wood you couldn't get to burn? Remember the trip when you visited the Grand Canyon? Not one of those memories requires a financed RV.

DallasSteve wrote:
I accept what the original poster wrote, except this last line:

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.

First, you make the judgment that our comment is "stupid". Well, as I said to my 35-year old son, if you're so much smarter than me why do you need to borrow money from me?

Second, your comment (notice I left out the word "stupid") assumes that this is an either/or proposition. It's not. It's entirely possible to not sit at home and still make great memories with our family without owning an RV.

Third, you apparently will never know how great it is to have financial security. Let me give you an example. Because I deferred a lot of expenditures when I was younger (I'm hoping you know what expenditure means) I now have reached a point where I will probably run out of time before I run out of money. That's a wonderful feeling. When I was looking for my current apartment I decided that I wanted one with an attached garage, something I wouldn't have done in the past to save for my future. This one happened to be brand new to boot. I decided, it's time to enjoy my money. I've been saving all my life for when I get old. There's no point in saving for when I get old any more. I'm 60. I'm there! This is what I have been saving for. It's great to be at a point where whatever I want (within reason) I can get it; with no debt.

Stupid comment? Laughing all the way to a comfortable retirement.

PS: My youngest son likes going to college and graduating with no student loans. Dad just pays cash for his tuition. An in-state school, of course.

I think what so many are responding to here DS is that your posts on this subject here so far intentionally or otherwise can be viewed as a bit smug and self righteous. And I think that was the intent of the OP's original comment. When a few well known folks on this site respond it is always in ways to tell the OP or others how they should live their lives. They rarely address the topic.

This is how the comment: "You should pay cash" often sounds. Smug, self righteous, elitist and frankly ill mannered.

Your great good luck as you put it in another post (a veiled way of letting everyone know how smart and hardworking you are and what a great decision maker)is just so much self aggrandizement.

Once again as so often happens in so many threads instead of discussing the TOPIC a few derail the conversation to the personality actions and lifestyle of the Original Poster. This is becoming endemic here. I for one am sick to death of it.

Now just a question: Did you pay cash for your house? AH! I thought not. So really you are in the same boat as everyone else. Lets drop this needless and yes stupid argument over paying cash or not.

Grit Dog make the point that we all discover.Money comes and goes, But your time and health are the real barometers to all of this.
I'd just assume eat cat food in the end knowing I enjoyed it all vs. having a 6 figure bank account but being too old to really go out and have fun.
I'm still a weekender, working stiff. I can only hope I am in good health when I get to retirement age to do some full time RV'ing. After 60 years of working daily, health and fitness will be a bigger factor than finances.

To what metalgator said, yeah never know when your ticket is going to get punched.
My family, think I'm glad I'm adopted...... hasn't had but 1 member get over 70.
Dad clocked out for the last time at 58 hadn't retired, halfway thru building their dream home that they'd been planning forever and never was even well enough to help me build it, which was another dream of his....... Mom made it another 8 or 9 years, got to enjoy life on the lake in the dream home....by herself and made it to 67 I think.
I get caught up in saving $ and yes we are debt free thanks to my income, but it crosses my mind all the time and I'd pay the man to have fun now.
Guess I'd rather enjoy life when I am young and healthy enough. If I'm broke when I'm old and the best thing I can hope for each day is a bowel movement, so be it. Can't spend it then and I'm not saving up for a nursing home...... can't take it with you!
We're sort of in that boat with the wife's health. Kids are middle school age and idk how many years she has left. Puts a different perspective on it.