I wanted to update my wife's car because we had a new little girl in a car seat. It was a needed change but we went about it in the wrong way. We financed the our new to us (used) car that had every thing we needed. We had the money to buy it but just not all that day at the dealership. Long story short we financed it, and the next weekend our water heater went out and we had a major pest control problem that had to be taken care of immediately. God has nothing good to say about debt, and I believe it! In life, debt for some reason attracted other bad things to us. Stay away from it!