It's a shell game

A  Shell game is always a losing cause no matter how good it appears. Any choice is wrong and every person is a shill or confidence man.

Common anti-frugal shell games look like this:

The time is right. Check

Your motives are noble. Check

The thing you want to do/buy/pay-off is wrong.

If the thing you want to do is wrong then nothing else matters.

Find out what debt to pay off/investment to make/dream to achieve/business to start and then work on the timing and motives.

Put the first thing first: what is the right thing to do? Timing and motives are ancillary to doing the right thing, not primary. It's all a shell game when we place motives and timing ahead of doing the right thing.

 

(Photo courtesy Wikipedia)