Earlier this year, I made a dumb financial decision. I bought a car that was beyond our budget. We had just been through an eight-week stretch of demanding work schedules, kitchen renovations and cheque-account fraud. Our daughter’s day-care centre closed three times, for a Covid outbreak, a bout of norovirus and a water leak. Not exactly tragedies, but when our old car died, my fried brain had no bandwidth for comparison shopping. I walked into a dealership and said I’d look at whatever they had on the lot. I left with a car — and a car loan...