The question is what are you planning to spend your savings on?

Nothing wrong with your thinking, it's your preference. Sure on paper with financing you might be paying a couple hundred bucks in interest/fees, but not something worth sweating over.
I also hate dipping into savings, but that's my preferred method. I don't recommend it to everyone because once you take out 10k from a liquid savings account (floating balance of 30k-50k as an example), it's less motivating to keep saving as you have to work back up to a balance you already had. So IMO for most people you are better off financing it at a small cost, which really is bypassing the discouragement you might have when starting to save all over. Not saving because discouraged/whatever is a lot more expensive than a few bucks in interest. That's generally what I've noticed from personal experience, personal finances are a lot of times more of a mental play than dollars and cents.

^ I feel like "savings" is such a subjective topic.
What is savings? When do you use it?
What is the benchmark for how much you should keep?
Should we even keep 20-50k of liquid savings in an account? for a rainy day? Earning, well not really earning anything?
Why not have the LOC for Emergency and have your savings in investments, the LOC can help for that month till you pull out of the investments to pay for things?

Really, how much should we have sitting static in a savings account?

If it makes you all feel better I've been getting those mbna 0% cards and investing them in the stock market for the term of the loan. Because of when my last card renewed early 2015 and the promo ended March 2016 (when the markets took a bit of a shit) I took a bit of a bath on that lol
Actually shitty 6 months in the markets for me but that's another topic.
I wanna know about Chinese ppl and how they saddle you with 120k debt

I wanna know about Chinese ppl and how they saddle you with 120k debt

MBNA cards with 0% or 0.99% always come with a 1% upfront fee. I think I've heard that they're upping that fee to 2% now.

I"ve never had an upfront fee.
i dont have one any longer, i forgot how it worked.
0% balance transfer for a year. As long as you pay it off you can call in and renew that offer, yearly.
If you miss one payment, that's when you're f'd. They tack on all fees, plus all the interest from the months before and activate the 21% monthly interest.

To me, savings and investments are two completely different things,

Thats a good way to look at it.

Investments is something I would really like to get more involved in (minimal at the moment). I just don't know shit about investing or markets or anything.

The only thing I do know is that people are so anal with their investments. And I get it, people are more reserved about their money than they are about religion. But even without disclosing dollar amounts its as if people don't want others to prosper/benefit. At my age (late thirties) I feel like I am so far behind and that I should have taken the plunge years ago.

Tips on Investing for N00bs? Risky, wanna hold a CSi crash course?

Kid I work with just bought a new F150 cash. Im pretty sure they have some close to zero % financing rate.

Ive noticed this alot with the younger guys I work with. Is it some baller status thing that they think its cool to drop that much cash for something.

I agree with your thinking. And have taken part myself.

So what's a better move, tack the $2x,000 onto my mortgage or continue to pay it off separately?

Honestly, i'm an open book i would share with you guys my life story on my business travels into Asia from 2010-2012. I would do this over a beer though, not on the web. The story can and will go off on tangents, as i've experienced almost everything except being in a war.

I won't lie, Clubsi - Ont held me down for when i was over there alone. No joke, reading first world problems.

I would do it again in a heartbeat.