Do you realize that your point is the same as what I've been saying this entire thread? Do what you can afford, or what you can justify. Don't do what you feel is a bad value, or what you can not afford.
You are a responsible consumer who seems to have a grasp on financial responsibility. Most of America does not.
Most aren't choosing cars that they can actually afford, which is not accounted for in your article...and most don't understand how they could take a vacation if they actually have to tell themselves or their children "No" on something.
"Most" don't seem to have that same grasp. Regardless of cars, homes, vacations.
Here's whats actually happening-
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