> Having a dishwasher and clothes washer and dryer can mean the difference between having time to work and not. Labor-saving devices bought on loan make perfect

> Having a dishwasher and clothes washer and dryer can mean the difference between having time to work and not. Labor-saving devices bought on loan make perfect sense to me. From my perspective it's funny that you give yourself permission to buy a car on credit since to a car-free person that's nuts, but to a person who needs a car to access their place of work it's obviously sensible. If buying on credit or going without were the only choices, I'd agree with you in a heart-beat. But they aren't. You can get a decent, running washer/ dryer on craigslist for about $150 each. Dishwashers are even less. Buying new and financing is going to cost someone $40-60/ month for 2+ years which is a pretty big burden for someone who is struggling. > From my perspective it's funny that you give yourself permission to buy a car I'd love to be car free, it's a great choice if you are urban, but we've lived semi-rural for quite a while. Also, since I almost always keep cars for well past the end of the loan (or in some cases bought used for cash) I usually don't have a car payment.