People spend hours choosing between two funds that differ by a tenth of a percent, and an afternoon deciding on a car that costs a year of savings. The chart is the other way round. The two or three biggest purchases of your life do more to it than every investment decision combined.
A car loses a third of its value in the year you buy it and costs you every month you own it. Buy one, by all means, but knowing what it does to the line: the chart on this page shows a new car every five years against the same car kept twelve. A home is more complicated. It is also an asset, it replaces rent, and in Bulgaria the loan for it is cheap. That is exactly why it deserves the planner rather than a rule: put it in as a scenario and watch your line.
The principle is not "never". It is "run it through the chart first".
Two people, twenty and forty years on
Both buy the same car for the same money and drive it the same. Ana keeps each one twelve years. Ivo gets a new one every five.
In Bulgaria, as of September 2026
A mortgage in Bulgaria costs around three percent at the moment, and most people own their home, so buying is usually the right call. What makes the difference is which home: the extra room, the extra floor, the second one. Each of them is a line on the chart.