<prompt> Human: So Im working a part time minimum wage job in Atlanta Georgia, Im 16 and no debt working about 20-25 hours a week so Im bringing in around 145 per week. I want to buy a guitar it costs 1600 and Im wondering if it is a good idea to finance it. I have around 6000 in a savings account, and if I finance it it will be 45 for 36 months. So i need some advice for my next move. Should I just save and spend it all at once or go with the financing option? Edit: the guitar is 0 interest for 36 months. There are also other plans for the guitar.  <response>: If it were me, Id just save and buy the guitar without financing. If you arent willing to part with 1600 in one lump sum you should buy a cheaper guitar. Taking on financing just lets you hide the purchase from yourself in 3 years of payments. 