Level 4 (financing)

If you thought level three was expensive, level four is even more demanding.

It's all about borrowing money for big purchases and long-term commitments like a car or an apartment. Although they call it "financing," it's just like using a credit card.

You get a loan to make the purchase, and you pay it off in regular installments + interest for 3 to 7 years. But beware, you're paying a lot more than the initial price, and the item you're buying will lose value over time.

In fact, it might even restrict your future choices, as you'll constantly have to make those hefty payments!