and my simple point is....even if you do know how to handle debt.....you are banking on the fact that tomorrow will be perfect and money will roll in. things happen...natural disasters, etc....i just keep thinking back to Joplin, MO. Could be a lawn guy, painter, whatever. Finances a bunch of new stuff, payments will be made because he will have money rolling in because there are 20 jobs lined up. Then BOOM.....tornadoes level the town or an earthquake......suddenly everyone's lawn that needed cut now needs a bulldozer and those 20 paint jobs lined up have walls lying on the ground. If you've financed it because you had to.....and didn't have any money....now you still don't have any money and you have no way to pay for it. Slow and easy and debt free is simply taking 'Murphy' out of the Murphy's law because eventually Murphy always shows up. Paying cash is simply a safety net that has kept my business financially stress free the past 2 seasons.