Good luck on the pay offs man! I have been debt free for 3 years now. If I have it I OWN IT! No payments anywhere. I have found that it is much less stressful and very blissful to know that I don't have to make payments to anyone. It's much easier to just wait a little while to get what I want when I have cash. You get better deals, and usually get more time to think about your decisions and purchases. Makes everything work better and in your favor.
As for the turbo or charger, I prefer chargers. Turbos have to spool up and with the amount of revs we use that can be a real bummer. They have come a LONG way since I owned my last one, but it was exactly that. After owning and installing several chargers they are what give me grins. Nitrous is a great thing to, but for street and road course cars it's not an option really.
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