I think you should compare interest and gains against inflation (real inflation, not what is reported).
What they charge you for a loan, mortgage or CC-debt is just a measure how hard you are being fu.... combined with how stupid someone is.
#Bitcoin is an answer to most of this, hint why they don't like it......
That's exactly what I do. I prefer using the Chapwood Index, but you could also use shadow stats or m2 if you wanted.
San Diego is the closest US City to me so I use 12.85% as a benchmark.
If I can obtain a loan for less than. 12%, I would rather make monthly payments. The interest is 10% on my new AC/heater, but bitcoin is up 36% since then despite the fact that every normie in the world thinks it "crashed."
If I paid cash, I would have to add a 15% sales tax the government calls "capital gains." Fiat is debt anyway so I think it's a bad idea to sell sats for debt.
Of course, if my job was my only asset and I had less than $400 in the bank(I do, but you know what I mean) , this would be terrible advice. I get why Dave Ramsey tells normies to sell CrYpTo, but his math doesn't work for bitcoin. 
