wowens79 wrote:

We've been RVing for 16-17 years now, and are looking for a new RV, but are struggling on how much we are willing to spend. We are pretty conservative when it comes to spending money.

We really want a Brinkley Z3100, which will end up probably a little over $80k, but it puts a knot in our stomachs thinking about spending that much money on something that is going to depreciate. Should we settle and spend like $40k on another TT?

We bought an new F-350 last year not knowing what kind of camper we wanted, so we bought a truck to pull what ever we decided on, so we don't have to worry about a new truck.

We could sell some non retirement stock, and pay cash for it, and we would still have an emergency fund of a years expenses. We have no debt other than our mortgage, and it is about a third of our homes value, and financed at 2.4%. It would take us about 2 years to replace the funds if we went with the Brinkley. We are in out mid 50's, and have put 12-15% in our 401k since our early 20's so we should be fine for retirement if the market performs like it has historically.

Should we bite the bullet??

wowens79 wrote:



We have not financed anything other than the house for almost 20 years. If we bought it, it would use about 1/3rd of our cash, and would be replaced in less than 2 years. But it’s a chunk of money.

stripit wrote:

I also go with the if we can't pay cash, we don't buy. But we also take the time to look at what spending less would get you and if it isn't giving you the same good feeling, why settle for what isn't your first choice. We also say, well we are not getting any younger, and have no kids. So anything we have left when the time comes goes to charities. Why let them go first class and not us? We/you are the ones who worked and saved for the ability to buy what will make you happy. I say go for it...

Lantley wrote:



Which begs the question, Why have the cash if you are not willing to spend it on something you want? Is it all to be saved/cherished for some rainy day in the future?.
Does your crystal ball tell you your future is guaranteed?

nickthehunter wrote:

In my opinion, Wait a few months, you’ll be able to buy it at recession prices. The down side of that is your 2016 will be correspondingly worth less also. I’d say it’s not really an optimal time to buy a depreciating asset.