If you're in it for the long term be patient and wait a couple years as I am. Delayed gratification is tough. I intend to get an equity loan and spread my payments out as far as possible.

See Finance 101 Opportunity Cost. Make you're money and time work for you. Maybe people here don't worry about using leverage. I've leased my wifes passat for 4 years, then got a loan for 4 more. You pay the same amout if you were to finance a purchase over 5 years. You lower your monthly and enables me to max out 401k's, 529's etc.

Makes no sense to pay cash for cars or pay your mortgage in 15 years..unless of course you can do so and not blink..twice.