Driver 1 drives the Corolla. He paid it off, has a 2 bedroom house paid for, makes 300K PA and has excellent credit.
Driver 2 drives the Benz. He has 3 Years left to pay it off, has a 7 bedroom house with hundreds of thousands left to pay, makes 200K PA and has poor credit.
Sadly many people would choose to be driver 2 because of what it looks like in spite of the reality that driver 1 is more wealthy.
Amazon founder Jeff Bezos is a good example of driver 1.
Your circumstances will never change until the way you think changes. What would you choose for your future NOW?