In Mar of 1987 I bought a brand new Mercedes 300 E and paid cash for it.  Picked it up on a Friday and had a hole in one at golf on Saturday (but that is another story).  The following Monday I pulled into the parking garage and saw that my boss too had bought a new Porsche (about $85,000 then). 

We were drinking coffee and I said" Francis what were you thinking buying a car that expensive with a wife and 2 kids?"  He looked at me and said "It's not expensive, you just can't afford it!"  What a lesson I learned from that message.  And if you stop and think about it, Tiger Woods can buy a $100MM yacht without blinking an eye.

In the same vane of not judging a book by its cover, we were working on the 2^nd floor mezzanine of our bank in Pearl Ridge.  There were 6 of us.  We were looking down at this guy talking to the branch manager on the platform and she was pointing up at us.  The guy was dressed in a ratty t-shirt, surfer swim suit and flip flops.  Sure enough when he came up in the elevator I drew the short straw. To make a long story short he ended up buying a $2.25 Million Dollar Home putting $1 Million down.  One of the cleanest loans I have ever done.  Moral for today - Don't judge others by your pocket book and don't judge a book by its cover.

Good Luck, Good Lending and Aloha