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IMO, if you cannot afford to pay in full for a new toy without incurring wrath from your spouse, you probably should not buy said toy.
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Unless you are in the lucky 1% club, you are going to incurr the wrath of your spouse for purchasing a machinegun, regardless of what you pay for it. Breaking the bank for it might just turn "wrath" into "divorce". Tread lightly, my friend. A really ticked off wife can inflict way more pain and damage than a measly machinegun.