<prompt> Human: I remember my grandfather saying that you should always have a car loan. If you need a car and cant afford, you borrow the money, but then when the car is paid off, you continue paying for that next car. You will need another car so you will always have car payment. The next piece advice he said, earn interest, dont pay interest. He was saying that you should earn interest on your car payments and not pay interest on your car payments.  <response>: This is just a coded way of saying that you should plan out all of your expenses, and not just the ones that are immediately in front of your nose. 