Why the sticker price lies
A purchase competes with every other use of your money. Financing adds interest, while paying cash sacrifices the return that money could have earned. Neither makes a purchase wrong—but both belong in the decision.
How to read the verdict
The verdict compares the complete cost with the income left after essential spending. It is a pressure test, not financial advice. A purchase can be worthwhile even when it is expensive; the point is to see the trade clearly.