
Oh, you’re absolutely correct. If you can buy outright, that’s the way to go. The only reason I brought that up is because OP mentioned “I don’t know how people buy BMWs, etc.” Some are rich; a lot are financing. Saving first, if you can, is certainly the best option, though.
Personally, my problem was always that math concepts were never presented in a way that actually made sense in the “real world.”
I was taught that complex numbers were real numbers with imaginary parts that had something to do with the square root of -1. Yeah, I get it, but… why?
Fast forward a few decades and I’m writing code that processes a digitized waveform. Now it makes sense. Math isn’t hard when you have a frame of reference. Learning math concepts solely for the sake of learning them is very hard.