Dude, you seem to have misplaced your sense of entitlement. Did you leave it somewhere? Did someone borrow it? Why don’t you have it?
You know, I agree with the sentiment of your post’s title. I think we do deserve all the car/clothes/vacation we can afford. Note I said afford–not finance. I think there’s a difference.
I’ve noticed that the last few times I bought a car from a dealer the first question wasn’t how much are you willing to pay, but how will you be paying for it? They seem happier to finance a car for you than to take your cash.
Last car loan I took I asked for a 4 year loan. As the guy was writing the paperwork my wife and I explained that we’d sign a 4 year loan but planned to have the car paid off in 18 months to 2 years. They guy looked at us and said “Save your money, take the 4 years to pay it off.”
Riiight…save money by extending your loan…