I was just answering the question. When I was in my late teens, and early twenties, there weren't any credit cards, and low interest loans without colateral...you needed colateral...they wouldn't just loan you money...so, you saved and paid cash...we should all get back to those times....I have borrowed, and hedged my way through life, but if you do this, you better have some substancial savings in case something bad happens, like getting sick, or losing your job...I haven't had any of that yet, but it can happen...nothing wrong to borrow, but, it is always better to save and pay cash...in the long run...I too, will borrow, and use the bank's money if the interest rate is below what my money can earn.....0% loans are the best....lol