I watched my dad die of a massive heart attack when he was 49 and I was 18. He never got to do the traveling he wanted to do. My husband told me on his deathbed that he always wanted to take flying lessons but family got in the way. I never knew that. My neighbor died of a brain tumor wishing she had gotten the sewing machine I kept trying to get her to buy. So my attitude now is...if you want it and you can afford it, then you should have it. I just got my long arm I have been wanting for years. I too financed it with the no interest 2 year deal. I will pay it off before that. But I think we work so hard all our young lives to provide our family with the things they need and want, love and nurturting being part of that. So when retirement looms upon us, it is time to be selfish. I told my DDIL that if I die next week I will have had one week of pure joy with my new long arm. No regrets.... You deserve it.