No worries I appreciate all the opinions and banter. I understand about the financing and selling etc. Tractors and lots of the farm equipment I buy they will usually tell you right up front, you pay cash you can get it for this price, you finance and its this price. That's why I've always tried to pay cash but sometimes you just cant. I try to never finance toys or things that aren't really a necessity but I'm not thinking about this hot tub along the same lines as say a four wheeler or street bike or some toy. I feel like this could help quality of life. My wife and I are both on our feet all day and some spa therapy and relaxation sound great. So, I guess what I'm getting at is that I may be willing to finance a little to improve those benefits. Sorry, I kinda went on a ramble there. Thank you all for the advice and information. It's killing me trying to find a time my wife and I can go together to look at these though. ugh