[mylies43]

I don't think most people are buying trucks and then defaulting the next month either that's a bizarre argument to make. And 200 a month is a lot of money!

200 * 12 = 2400 * 4 years( let's be real it would be longer ) = 9600. That IS a lot of money, it's not going to solve every problem immediately but applying the mindset of whatever Im screwed so I might as well set my money on fire is exactly how people keep sinking into the hole. You take the 200 extra on the car, on the apartment, the 150 pants. Its death by a thousand paper cuts and it will make a bad situation much worse.