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In a word “financing”.  I know some of you hate financing and always pay cash.  Think of it this way:

Most hot tubs last 10 years.  Most financing is 3-4 years.  That means 6-7 years with a hot tub and no payments.

Most of us are ok with monthly gym memberships.  We think of it as a cost well worth it for our overall wellness.  Think of hot tub payments as a hot tub monthly membership.  The difference is what I said earlier.  When the monthly payments are done, you still have a hot tub to enjoy for many years to come.

Smart people use other people’s money to get more as long as it makes sense in the overall scheme of things.

As usual, don’t overbuy or overextend yourself, but financing used correctly can help you get more hot tub for the money you have.