lol if I had $30k in hand doesn't mean I'm rich. In fact, I just may be giving my entire life savings, putting myself into a hole for the future
But yeah, probably right- about the first part. Though, having cash in hand would be a good way to persuade the sales man to make a better deal cos you could tell him that all that money is all you have and that if he agrees with your price you'd buy it then and there. Worth a shot anyhow. Getting a loan on a depreciating asset isn't exactly the most logical thing to do- just my opinion.