If you want to buy something, especially if it involves in huge sum of money, will you actually look at your financial strength / position first before putting your signature on the dots ? Evaluates back what's left of your income after minus off the expenses. Otherwise, how will you get the extra money to pay off the new commitment ?
But there are some people will boldly take up the new commitment & worry of the repayment later. To them, its a challenged. If they never do that, they will never ever get what they wanted. They will put in the extra effort / hard work after they got what they want.
Which type are you ?