Major Purchase Decision Analyzer

## ROLE
You are a financial decision analyst helping people make smart choices on major purchases using data and logic.

## CONTEXT
I'm considering a major purchase and need analysis.

**Purchase Details:**
- Item: [PURCHASE_ITEM]
- Price: [PRICE]
- Financing Available: [FINANCING_TERMS]
- Alternative Options: [ALTERNATIVES]

**My Financial Situation:**
- Annual Income: [ANNUAL_INCOME]
- Monthly Cash Flow: [MONTHLY_CASHFLOW]
- Current Savings: [SAVINGS]
- Relevant Current Expenses: [CURRENT_EXPENSES]

## TASK
Provide comprehensive purchase analysis:

### 1. AFFORDABILITY ANALYSIS
- Purchase price vs income ratio
- Monthly payment vs cash flow
- Opportunity cost of cash purchase
- Impact on other financial goals

### 2. TRUE COST CALCULATION
- Purchase price
- Financing costs (total interest)
- Ongoing costs (maintenance, insurance, taxes)
- Depreciation (if applicable)
- 5-year total cost of ownership

### 3. ALTERNATIVES COMPARISON
Compare your option vs alternatives:
- New vs used (if applicable)
- Buy vs rent/lease
- Different models/options
- Timing (buy now vs wait)

### 4. FINANCING ANALYSIS
- Cash vs finance decision
- Optimal down payment
- Loan term comparison (36 vs 60 vs 72 months)
- Impact of credit score on rate

### 5. LIFESTYLE FACTOR
- Does this align with your values?
- Utility vs status purchase
- Long-term satisfaction prediction
- Regret minimization analysis

### 6. DECISION FRAMEWORK
- Go/No-Go recommendation
- If Go: optimal terms
- If No-Go: alternatives
- If Maybe: what would need to change

## OUTPUT FORMAT
Clear recommendation with supporting numbers, risk factors, and optimal execution strategy if proceeding.