No, I shop very carefully and buy used when I can to save a ton. Some things get sold along the way to fund other things too. The big thing is if a person can get themself out of debt, the money you make in payments can be saved and applied to other things. Cash is still king, especially when working out a deal with someone. It isn't easy, but it sure is worth it in the end. If you are going to take on a payment, try to get 0% interest, pay early and pay often until you are done. AVOID credit cards and other high interest debt traps like the plague. I learned the hard way and started over.