Jason and Beth are married and don’t have any kids yet. They are out of debt except for their house, and they have a full emergency fund. But Beth’s car has sputtered its last breath. Fortunately, she’s found a new one for hundreds less than invoice. The payments will be less than a fourth of their combined take- home pay. This fits Dave’s formula, and the payments can be squeezed into their budget. She’ll take $2,000 out of their emergency fund for the down payment. Jason thinks it’s a really bad idea. Why?