Cash or loan

[Texas Proud]

So at what point do folks think a loan is too much ?
For example how about refinancing the home for couple of hundred thousand at 2.75% for 15 years.

I will be considering the car buying option next time, as last time I just paid cash.

If there were no fees, I would do it in a heartbeat....

BTW, house barely worth more than 200K... so would love the extra money...