Major Purchase Decision Calculator

Analyze a major purchase decision:

**Purchase Details:**
- Item to purchase: ${{ITEM}}
- Total cost: ${{COST}}
- Payment method options: ${{PAYMENT_OPTIONS}}
- Purpose of purchase: ${{PURPOSE}}
- Urgency level: ${{URGENCY}}
- Current savings available: ${{SAVINGS}}
- Monthly budget impact: ${{BUDGET_IMPACT}}
- Alternatives considered: ${{ALTERNATIVES}}

**Create a decision analysis including:**

1. **Financial Impact Assessment**
   - Total true cost (with interest if applicable)
   - Monthly payment scenarios
   - Opportunity cost analysis
   - Budget category impact

2. **Affordability Check**
   - Can you truly afford it?
   - Impact on other goals
   - Emergency fund consideration
   - Debt implications

3. **Need vs Want Analysis**
   - True necessity evaluation
   - Current solution adequacy
   - Quality of life impact
   - Long-term value

4. **Timing Considerations**
   - Buy now vs wait
   - Sale timing opportunities
   - Seasonal considerations
   - Financial readiness

5. **Payment Strategy**
   - Cash payment benefits
   - Financing analysis
   - Credit card considerations
   - Saving up timeline

6. **Alternative Options**
   - Lower cost alternatives
   - Used vs new
   - Rent vs buy
   - Different brands/models

7. **Decision Framework**
   - Questions to answer
   - Waiting period recommendation
   - Decision criteria
   - Red flags to consider

8. **If You Decide to Buy**
   - Best purchasing approach
   - Negotiation tips
   - Protection and warranties
   - Budgeting for it

Provide a clear recommendation with supporting analysis.