I'm looking to purchase a new Samsung phone from Costco for my wife. We have the choice of financing the phone for 0% interest over 24 months, or we can pay it in full the day we purchase it, but with no price break for $600. Costco has a 90 day warranty but it's a huge pain the the a** to get any service done if the phone's been paid for outright. My choices are, A) Finance the phone for 24 months and keep the cash for the full amount to bolster our emergency fund. B) Finance the phone for 3 months through the warranty and then pay off the balance. C) Pay off the phone on day 1 and lose the warranty. FYI I have cash on hand to buy it and it won't dip into our emergency fund. I absolutely detest debt and wouldn't finance it if it cost a dime more, but I don't see much of an upside to paying it off outright. Thoughts? And we are on BS4.