IT's kind of like borrowing $20,000 on your credit card at 8% annual compound interest, which you can't afford, but doing it anyway and then going on a spending spree saying. "I'm rich!! I'm doing so well!! Look at my new clothes!!!".
Some guys never learn the fundamentals of fiscal health, and they go crazy on the subject. They save up 8 grand for a car, but they put it down on a $40,000 V-8 SUV that costs $90.00 to fill up, and gets 11 mpg. The reason is, of course, that they don't want to "send the wrong message". The fact that they are sending a FALSE message never comes home. Sheesh!