RE: Will you buy what you like, want or need?
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Some of the people who can afford more, went at some point in their lives for what they needed, rather than what they liked or wanted. Not all of them, of course. It may be a good strategy to afford more later rather than go in debt sooner for something you like or want instead of what you need.
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Yeah.. I think it's a solid strategy to go for what you need. I think we have a lot of need in life and some of these them are comfortable necessities of life.. I'd rather prefer to be comfortable rather than be in debt or waste money..
Debt can be a high burden exactly when you don't need it, that's why I avoid it as much as I can.