Audio Debt?

The only thing I'll ever finance is my house. All the rest if I can't afford it I can't have it. I guess it comes from being raised in Yorkshire !

I may buy it all on a credit card, but the card is paid in full each month.

Morons are NOT audiophiles!! In fact I doubt if they know what audiophiles means.

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.