My last truck was bought new in 89, financed for 48 mos. Been saving the payments since it was paid off and paid cash for this one. Probably do the same with it, if I outlast it. Trust me, preventive maintenance is worth the money and or time it takes to do it. Got 260k on the ol truck and still going, but not for much longer. I think I squeezed my moneys worth out of it.