My opinion is it's better to own and control your cash flow. True financial freedom is not having a nut to cover each month. I've never been a fan of financing an asset that declines in value. Big items like a house you have to finance. but most everything else you don't. Buy used, save your cash until you can upgrade. I know it's not sexy and doesn't look as cool in your driveway, but I sleep a lot better at night.

To each his own. I have always assumed that 20 year olds with big expensive toys don't last long in the food chain of life. I also don't want to be the 70 year old who tells stories about the high point of their life at 25.