Anyone else not modding their truck till it's paid off?

My truck was paid for the day it left the lot. I've had 4x4's in my garage for over 30 years, some with mods for the trail and others just for "personality".
After spending a little time on this forum, it is apparent that almost every thread referencing "driveline" problems are directly related to a "lift" or suspension mod of some kind. So, I agree with an earlier poster, a stock 4x4 is very capable. My Sport will spend 80% of it's life on a road and any off road excursions can be handled in its stock configuration. Any mods I make, will not affect driveability or the stock suspension geometry.

 

My only modding will be more agresssive tires. Dd ing a modified truck gets old after a while.

 

Very smart game plan. I like this. Pay it off first!!!!

 

Nah! I'm enjoying mine now, the future has no promises. Lots of things can happen until you pay it off

 

Yeah, I feel the same way now about all the women in my life whom I thought I wanted but never married--X1000!

After buying my first new truck (for cash) at the age of 45, I know I could never again drive one that was a non-virgin (previously owned by some other dude--even if that guy was my banker).....

 

I use my truck for work and play. The more I mod it, the harder I play with it (or is it the more I play with it, the harder...nevermind)

It helps that my mods are all tax write offs, so a certain portion of my income "needs" to be spent on mods

 

I generally would say that any connection between having a loan against your vehicle and making any changes to it (expenses), are determined by the reason you have the load. If you have the loan because you can't afford to pay for it all at once, then it is probably a good idea to focus on paying it off rather than dumping money into what is not necessary.

If, on the other hand, you have the loan because the interest rate is favorable, and the money returns more interest from your investments than the loan costs you, then your limit is what you can afford or justify based on your life goals.

 

First day home with my truck the rattle cans came out! Did almost every mod in the cheap/free mod forum then started addressing problems as they arose with upgrades. Blown rear shock... OME lift with Dakar spring pack. Bald and cracking tires... 255-85 toyo m-55's. Small collision... Brute force hybrid steel bumper! Not for trail purposes more for wild life deflection/protection. Why replace stuff with the same overpriced factory bs. After all I do plan on keeping this truck for a long time! I also like walking up to it more now then before!