Jason and beth are married and don’t have any kids yet. they are out of debt except for their house, and they have a full emergency fund. but beth’s car has sputtered its last breath. fortunately, she’s found a new one for hundreds less than invoice. the payments will be less than a fourth of their combined take- home pay. this fits dave’s formula, and the payments can be squeezed into their budget. she’ll take $2,000 out of their emergency fund for the down payment. jason thinks it’s a really bad idea. why?