I know, I know, I can talk all day about being rational but then I REALLY want an RTX 4090 (to learn machine learning of course! Trust me bro! Then I just play

I know, I know, I can talk all day about being rational but then I REALLY want an RTX 4090 (to learn machine learning of course! Trust me bro! Then I just play video games on it and oh why not upgrade the rest of the computer, as an aside proud of myself I got an NVIDIA RTX3080 used for $400 instead) and there’s no way my wife would be okay with an $1800 expense on the debit card but she might not notice 6 months of $300 payments. It’s easier to fight back when the loan terms are explicitly laid out, “okay you’re getting a one year loan and it’ll be $1000 loan and $300 you’re going to pay in interest”. And I’m like “okay I’ll wait and just save up”. The lesson I learned growing up with a single mom was “spend the money immediately or else stepdad will spend it on drugs, money is a liability, you’re better off having things, harder to pawn vs cash”. And credit cards just makes that highly dysfunctional mindset that’s burned into my brain even worse.