In a way, he's right. Something WILL come up! However, if you are locked into the $175 a month payment you can make no adjustment, that payment HAS TO BE sent. If you are saving and you need the 175 that month for a minor emergency then okay, you spend it for the emergency and then get back on track to the savings. PROVING that you NEED to have an emergency fund and the desire for a motorcycle is a WANT until everything else is taken care of F.I.R.S.T.
I get tongue tied in these situations too!
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