Evaluates a major purchase with total cost of ownership, opportunity cost, affordability red lines, and a cooling-off rule, producing a scored buy/wait/walk verdict. Use when someone asks "should I buy this car", "can I afford this", "is this purchase a good idea", or is about to finance anything wi
Evaluates a major purchase with total cost of ownership, opportunity cost, affordability red lines, and a cooling-off rule, producing a scored buy/wait/walk verdict. Use when someone asks "should I buy this car", "can I afford this", "is this purchase a good idea", or is about to finance anything with a monthly payment. Do NOT use for fitting an approved purchase into the monthly plan - use budget
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