It is used

I recently had a very tough, almost depressing, budgeting session. 

A lady met with me to get a hold on her finances, but she seemed more interested in excuses than making and keeping money.

At one point I suggested a used car might be good for her since her housing is currently 100% of her budget, her income is low and she recently declared bankruptcy. 

Her reply? "It is used."

Her car is a 2013 model. And she pays about $350 per month. 

I explained that used (to me) means about 10 years old and with no loan--especially since she just declared bankruptcy a few months ago. 

She countered, "My bankruptcy lawyer told me it would be a good idea to buy the car to improve my credit."

This lady is not only broke, but she is mentally poor. She accepts unproven, false theories from the uninformed. 

I explained that she is the only one who can change her financial fate.

Will she?

I hope so.