I've reached that planet simply by setting aside a monthly amount, and when I had finally enough I bought my Mini.dan thacker wrote:I wish i lived on the same planet as people who can drop four grand on a synth with no warranty.I'm from planet "making monthly payments!"
You could also do like some people, and sell some of your stuff to get enough money too.
Also, I'm an electronics hobbyist, so buying an expensive old analog synth like a Minimoog didn't scare me too much. I can always try to fix it myself if it ever breaks.
In fact, when I bought mine, I had to clean it thoroughly because it had been in storage for many years in a damp and humid basement. But I got a good deal because of this.
And even if you stay on planet "making monthly payments", there's no certainty that your new synth won't break outside of its warranty... My Old School effectively broke during the first 6 months I had it (defective sample-and-hold FET transistor), incidentally, but I was lucky it was under warranty and was fixed.