I saved up, and paid cash for my 95 Ex. I also save up for each mod. After 2 years I have around $4k in mods. I know a group of people that all got 10K limit credit cards, and then dropped their NEW cars off at the body shop. So they are making payments for the car, and 10K of body work each month. In 5-7 years they'll have paid $60K for a car that'll be worth $3-4K. Just doesn't make sense to me.