i have a friend exactly like you are describing. its rediclous, he goes out and buys a damn 1000 dollar laptop then he gets a 400 dollar warrenty, then he complaines how he has no money to buy a car. i can guarentee he will be in debt for the rest of his life. thats how just some people are i guess. he doesnt believe in saving money or anything. he'll have fun having no money when he retires about 40 years from now