<prompt> Human: Im about to get a promotion that will add about 1000 a month to my paycheck. I really want to waste it on a Tesla Model-S. car payment of about 780 for seven yearsId still be on track to retire on time. I have no debt. Im barely making 100k a year. I dont think I can justify an 80,000 car. Could you?Assistant: This my thought process when buying a new car.Can I pay cash for the car?Yes. Buy car.No. Dont buy car.Havent bought a new car since 2004 with this method. And guess what? Havent really needed one either.Human: so you never take into consideration the future value of money when it comes to this kind of purchase? for example if I could get 1.5 financing, when you could use your current money that could make way more than 1.5?  <response>: Some people like to avoid debt. 