Imagine having a monthly budget you overspend by 25% on average. Imagine you had a family emergency that added another 25%. Imagine that you forgot to stop paying for the emergency. Imagine you kept at it month over month, doing nothing and changing nothing. Imagine that you think this is a good time to spend even more on a big home remodeling. And then imagine you thought there would be no consequences because of your magical economic theory.
Imagine.