Using the example of the car, you should be able to pay off the car after the 5-years. If you can't, then it's too much car. Oddly, debt is supposed to help w

Using the example of the car, you should be able to pay off the car after the 5-years. If you can't, then it's too much car. Oddly, debt is supposed to help with seeing that. It breaks down the lump sum payment into monthly payments where you can compare to your monthly income.