[poboy427]

I am probably the poorist SOB on the forum,(state public employee). I barrowed to get my Pantera. I barrowed to get my 66 Shelby GT350 and I paid cash for my SPF roller and built the alum Shelby for it the hard way-out of my back pocket over the course of 3 years. I sacrificed and drove my family trucks and cars to 150,000 miles. My neighbors and co-workers bought and leased cars every 2-3 years and as a result they have nothing in the way of toys. They were smiling and I was smiling.

I have a gorgeous home and put 3 kids through college too.

My secret-I have always bought smart and bought homes and cars that appreciated. I never smoked and curtailed my drinking at age 30. I have 30 yrs at one job and I AM STILL ON MY FIRST MARRIAGE (divorces can be devistating) and I have always been healthy. At age 56 I should have something to show for it.

Don't lecture the man on desire to have an expensive toy. Sure there are guys on this forum who can pay cash for everything. That's not the majority though. If your job is secure and you are willing to sacrifice until your toy is paid for-Go For It. You may have to put up a title of another car. Most banks cringe at the words kit car or componant car. Once the car is done you can always look to refinance under a more suitable rate.

Don't forget most banks will want full coverage insurance year around over the life of the loan. I had an understanding and trusting banker who let me drop liability and collision coverage in the winter months as he was convinced these cars never have seen rain or snow. Oh yeah, honey has to agree to. If she is against it you have a challenge. Good luck.

Ray