To each his own. Made up my mind in 2009 to be debt free. Got rid of the trucks I was making payments on and bought only trucks and equipment I can pay cash for. Since then the bottom line is really good and in this bad economy times that is a plus. Basically I just have the insurance to deal with. So if the equipment sets for a month no big deal. When you have debt you can't say that. I do agree that if you have the money and decide to do the zero % for xx months then that is okay. But the loan company is banking on you will be late and have to pay the complete loan with interest. But please if the ones that want the new equipment buy them, if everyone had my and other ideas we wouldn't have equipment to buy!