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As Clint Eastwood said "A mans got to know his limitations" and I have never missed a payment of any kind in my life. A money mkt account paying less than 1% vs an appreciating asset like a Parker IMHO is a no brainer. The gun will outperform the money mkt. For me I like my new DHE 20 and the 20mos or so of payments I can handle. The net cost was $160 in fees. I can't hunt birds in the fall with a money mkt account.