People stress-test loans with best-case bonuses and perfect health. Run the payment at unemployment rates. If it only works when everything goes right, it is already wrong.
Stress-test payments at unemployment rates.
Other Truths you may like to hear
Money
Your salary is a drug
Own assets or stay rented forever.
MoneyHouse-rich cash-poor is a trap
Do the math; sometimes renting keeps you free.
MoneyA car is a depreciating safety box
Buy reliable used; invest the lease difference.
MoneyEmergency funds are boring on purpose
Boring cash beats clever leverage in a crisis.