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Purchase Decision Calculator – True Cost of Buying vs Investing

🛍️ "Can I Afford This?" Decision Tool

See the true opportunity cost of your purchase in future wealth

How much does this item cost?
Historical stock market average is ~8-10%
How long until you need this money (e.g., retirement)?

The True Cost of Your Purchase

Future Value if Invested
$0.00
Opportunity Cost
$0.00
Monthly Payment Equivalent
$0.00

💭 Should You Buy It?

🤔 Questions to Ask Yourself:
  • Will this purchase genuinely improve my life?
  • Is there a cheaper alternative that serves the same purpose?
  • Will I still value this in 6 months? 1 year?
  • Am I buying this for myself or to impress others?
  • Can I afford it without going into debt?
✅ Smart Buying Strategy:

The 30-Day Rule: Wait 30 days before making non-essential purchases over $100. If you still want it after 30 days, it might be worth buying. Often, the desire fades and you save money!

Purchase decision content – 2000+ words on opportunity cost, behavioral finance, examples…