I know it is common practice today and a lot of people do it....get a loan and buy a gear. I guess it works for a lot of folks. I approach financials a bit differently. Personally I compare every purchase to my monthly NET income and always pay cash if I think I can afford. This is why I said I would probably be able to pay for a Ferrari if I will be able to pay $25.000 to get a camera body with 2 lenses
I just finished paying off the MM and 35 lux a few months ago. I had 18 months no interest so I used the CC's money for a year and a half.

