Many just get in over their head. They want the nicest truck/trailer and mowers. I have a 99 F250. Its paid for. Sure I want a brand new dump truck, but I dont want a payment. I will set a wish list, save and pay cash. When you are paying with actual cash, that you worked hard for and saved.......you really start to think about what you buy. Chances are, if I saved 40K in cash and I needed a new truck, Id spend 15K on a used one and bank the rest.