I look at it like this. When you pay cash it HURTS. Handing over a fist full of
100's is painful, signing you name on a line not so much. Spending cash is real you feel the impact immediately. If I were to walk into a dealership and had to hand over 35k CASH for a new truck I would say what the hell am I thinking, and then go find something much cheaper that would still do the job. Studies show that you tend to spend much more than originally planned when using credit. I have seen studies that show people at fast food restaurants spend 20 to 25 percent more when using credit cards instead of using cash. Paying cash eliminates a lot of risk for me. To each their own, my business is debt free and doing very well and I sleep better that way.