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Posted By: Jodi Birkholm

It sounds as though you have answered your own question without really needing our advice. None of this is of huge priority for a practical person, so you already know the best answer yourself. Which one would give you the most pleasure? Honestly, taking out a loan for a purely extravagant purchase is silly, don't you think? At least when buying many types of vintage cards and collectibles, you are nearly always guaranteed to see your investment increase. Ask yourself this--do you want something that will give you instant gratification, but is guaranteed to depreciate in value (and might break down), or do you want to keep pursuing the monster? The latter will always provide you with enjoyment and gratification, but is also a far wiser way to use your hard-earned disposable income. As a compromise, why not opt for something used or a little more cost-efficient that is within your means (or could be an attainable goal within a month or two)? Honestly, this is the most practical and logical choice from how you describe your situation.