I M willing to say I cannot afford it instead of pretending I can.

Wisdom

A great deal of a man's stress is the cost of maintaining a lie about money. The freedom in four honest words, I cannot afford it, is worth more than any appearance the debt was buying. The truth is cheaper than the front.

Carry It

Tell the truth about money once today where you would normally perform a wealth you do not actually have.

Ask Yourself

What are you going into debt to keep pretending about your own finances?