Boy the thread did get a little sideways on debt and what to buy or not to buy. I will offer a suggestion for anyone that is interested in learning money spending and fighting to get through the " amercian debt " dream or lack of.
Spend 15 to 18 dollars and purchase a book titled " The Total Money Makeover ", author Dave Ramsey. It might help some folks and maybe not. It could guide or set a path to some sort of financial success or freedom. The quicker people figure out what you expect or want from your hard earned money right now or down the road is a choice we all have to make or not. Good luck all
PS. OP I still say you need to pass on the Z for now. But its not to say it can happen down the road. Just a thought.
