When you all bite the bullet for new gear, does your cash in hand go away, or do you utilize credit/financing of some sort? I over the past 5 and a half years I have aquired a bunch of gear. I found it is easier to buy than to master. I now have a collection of 24 guitars, three amps, studio interface etc... I do not play out or in a band. Just a hobby for this old fart. I purchased a new Epiphone DC PRO in February, and for the first time utilized financing. My question for all of you guys is do you finance this stuff, or just when you have all the cash.