Sure. Imagine I have $20k in the bank and want to buy a $15k car.<p>Scenario A: I pay $5k down and get a $10k loan, leaving me with $15k in the bank. I can use that $15k to go on vacations, invest in the market and try to earn more than the interest rate on the loan, or anything else you can think of to do with $15k. Over the course of three years, I pay about $300 per year in interest on the loan.<p>Scenario B: I pay $15k in cash on the car and have $5k left. This is no longer enough to invest. Since I want to have a cushion, it may cut my vacation plans short or cut a vacation out of the equation entirely. But, three years later, I have $900 more than in Scenario B. Now I can go on my vacation, and maybe even upgrade to first class, but three years have passed.<p>It&#x27;s a trade-off thing, for sure. But if you&#x27;re smart about managing debt, then it can be a worthwhile way to spend your $900 given what it allows you to do with the loaned money in the interim.