I agree with the sticker shock, but, I'm saving up and I'll have a little over half saved up when we make our purchase, plus you do want to take time with such a huge purchase. You could try for a home improvement loan from your bank...In the end it is worth it for a good brand, just make sure to do your homework and do a few wet tests, the wet tests is the most important because you'll find out how much you float and what levels to turn the jets to, some tubs have more adjustments with the jets than others and you can slways save some money by not getting the audio systems...and if your not overly tall you could get a smaller tub and save that way as well...My husband is tall so the medium tubs( 4 to 6 person) are the ones we are looking at now....it's not a purchase you have to jump into...take your time...like me and get to know what you'll need like a 60 amp panel is bests in the way of electrical ...ect...