im not sure im good enough at math/finances to reason this one out, but surely that only matters if you're utilizing all of your available money, right? like if you have a buffer of money sitting in your savings account not doing anything, then paying now vs later doesn't actually matter because any amount you save is still just sitting in the savings account losing value the same way the price of the pizza is, right? but then i guess if you only have exactly as much in your saving's account as you've decided is your emergency fund / spending money and every single penny is otherwise in stocks or whatever, then it could be more efficient to pay for stuff in interest-free installments?
i know you're just fucking around but it's a fun question to try to grapple with anyway
If your savings account is interest bearing, theoretically you'd be ahead by the amount of interest generated by the price of that pizza that you can defer paying until later.
In practice, you'll lose out because most loans come with a one-time establishment fee or something.
im not sure im good enough at math/finances to reason this one out, but surely that only matters if you're utilizing all of your available money, right? like if you have a buffer of money sitting in your savings account not doing anything, then paying now vs later doesn't actually matter because any amount you save is still just sitting in the savings account losing value the same way the price of the pizza is, right? but then i guess if you only have exactly as much in your saving's account as you've decided is your emergency fund / spending money and every single penny is otherwise in stocks or whatever, then it could be more efficient to pay for stuff in interest-free installments?
i know you're just fucking around but it's a fun question to try to grapple with anyway
If your savings account is interest bearing, theoretically you'd be ahead by the amount of interest generated by the price of that pizza that you can defer paying until later.
In practice, you'll lose out because most loans come with a one-time establishment fee or something.