You guys are right about needing to check the cash price. I've never paid more $$ to get 0% financing, ever, for anything. Hell, the truck I bought at 0%, I got for about $9,500 off sticker. It was an 06 Ram, QC, 4x4, TRX Off-Road package, Hemi, etc. Very nice truck at the time. The furniture price was the same whether I would've paid cash or not. We once financed some appliances back in the days of no interest/no payments, too, but the crash of 2008 put a stop to those offers. We also bought a mattress/box spring at 0% for 12 months, no difference in price. I've invested my money well, which is why I'll be able to retire once my kids are done with college, should I choose to do so. My wife, we'll have to wait and see. Years of service make a huge difference regarding her pension once she goes past 30 years. We will be fine if she wants to retire at 30, but there's a huge advantage for each year between 31-35.