using the system to your advantage makes good business sense
Let's face it mikemad61, most, if not all "young" folks out there have no business sense - that's not a bad thing - just a lack of experience. They are, however, bombarded w/ opportunities to spend money they don't have - credit.
I highly doubt any of them will justify a purchase based upon your logic. It's not bad logic, but kids (younger folks) won't go through that process.
Guys like me, well, I'll pass on advancing my "wealth" by $180. Knowing I owe nothing is worth more than that. I'm a free man.
The guy with the 600k got it because he knew how to handle 6k
I doubt he put his $6k into a toy. More likely a tool or something.
Working smart is the other half.
Let's not split hairs. I'm certain you understand what I was implying. Working hard, advancing yourself, saving your $ and making right choices = working smart.
Justifying "tricky" ways to buy toys is not what I would call smart. I've done that and lost.
I won't stir this pot any further.