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Orman said that this is the key tofinancial freedom.

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It is advice that if followed can bring peace, strength and gratitude for an entire life.

A car is another great opportunity to focus on within your needs,' Orman wrote.

For starters, do you really need a car?

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If you do need a car, dont spend more than you should probably.

The cheapest car that meets your needs is to be the goal, Orman wrote.

Every dollar you dont have to borrow is a dollar plus interest!

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that you could put toward other financial goals.

But Orman cautioned against this.

I know its tempting to be able to pay overfour or more installmentsrather than one big upfront payment.

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But ask yourself if BNPL is a crutch that lets you spend above your means.

like stand in your truth, and make it a goal to never use BNPL for wants.

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