<prompt> Human: Ive never quite understood the mechanics of this. Can you explain it to me?Lets say someone has 15,000 they want to use to buy a car. Its sitting in an index fund or something making 6 a year. The dealer is offering 0.5 financing. Youll make more on the invested cash than youll lose financing the car. So you decide to finance. This makes sense to me.Now where does the X00month to pay the loan come from? Do most people slowly pull it from their investment? Or draw it from their future income?  <response>: Typically from your monthly budgeted income. Money that ideally would be diverted to savings. 