Am I lucky? Notice the timing of the buys all at the trough of the business cycle where incentives were high and interest rates were low.

Bought my 2nd automobile in 2019 with a 6-year 0% interest loan.

Bought my 1st house in 2013 with a 30-year 3.75% interest loan.

Bought my 1st automobile in 2009 with a low interest loan (I don't recall the rate).

I'm starting to get the itch for my 2nd house. This year or next year perhaps?

I am lucky.