I had went bankrupt in 1991, when I got married, because of my finacial stupidity.So I paid cash for everything for a long time which didnt help matters, either.Fortunately, I had freinds who had alot of faith and trust in me so they would buy a truck and we had a sweet lease purchase plan. Did this for a number of years, and the last truck was the one I spec'd out with a 98" sleeper with everything imaginable on it as far as options, generator, etc.Worked my but off and paid it off early, took a letter of reference along with the 35,000 to the Kenworth dealer and got another one, on my own, finaced through Paccar,paid it off early, then bought another one, then freight slowed, along with everything else, and now I am sort of back to the begining, but not as bad,just not in as much debt.Fortunately, I was able to pay cash for the van.I'll get it all back, it will just take more time and hard work.TJP, don't underestimate yourself, a van WILL happen for you, when you least expect it.Good vans are still out there for 5,000 I love mine and couldnt be happier with it.Sometimes newer is not always better.