Walking into a car dealership planning to spend $25,000 on a car but finding out the $30,000 “better” vehicle has zero percent financing and the payments will end up lower is still spending an extra $5,000. That is likely more than the interest payments you would have paid on the $25,000. In most cases you’re paying the full interest upfront when you see zero percent financing offers.

It’s like when a $2.79 item goes on sale at 10 for $10. If you were planning to spend $3 then buy three, don’t freaking spend 3 times as much as you planned because of “value.” The best salespeople in the world will leave you bragging to everyone about handing months/years of your income into their hands.