TexRiv_63, I think you hold the secret to having an old car - I also have a separate savings account for things outside of our living expenses, so when I come across a bargain, it doesn't put us in a bind. I also keep ready cash at hand when I come across those once - in - a - lifetime deals. Example: I watched a 1924 DB Touring setting in a field for years. I asked if it was for sale, they said no. Years passed, and I went and asked again - the wife said her husband just died three months ago, and left her in financial ruin - said the car was for sale. I told her to talk to friends relatives, look online to get an idea of what she would be comfortable with, gave her my card. She called a week later. While looking again at the car she mentioned she had ANOTHER car in the barn - I asked her if she would sell both - she said yes. I bought both cars (one unseen in barn) on the spot. She was happy. I was happy. Then, she told me her father in law had most of the parts to the '24 at his truck shop, and she had most of the parts to the 1918 DB Touring (in the barn) in another barn. I got all that for $1000. Having the cash in my pocket for deals like that makes more sense than writing a check, or making payments - with cash, you can lower the price considerably, if you can produce the money right then. Since I have become financially strapped (thanks to the ACA - not the AACA), I am having to restore the 1918 myself. I sold the '24 with a '25 I bought ($1500) a year later, with a trailerload of great parts - sold both cars and all the parts I didn't need - for $1500. I downsized, made my wife happy, cleared my garage, and now have room to work on the 1918! I have a 20 year old (adopted) nephew who will get the car when I pass, along with my tools, books and whatever else he wants. At 76, I doubt I will be able to get to my 1928 Whippet Coach ( have a storage building stuffed with Whippet parts), so I don't know what'll happen to that.