Easy fix. Don’t borrow money. Live in your means.
Like the people that take out a 7 yr loan on a new car. Insane. Buy and drive an old one like I do. Besides saving taxes too. I put new shocks, new ball joints and new brakes on my old Nitro for less that the sales tax amount on a new car. 200K and still running fine.
I found that you can get a car for half the price of its worth by buying at an auction, if you shop carefully. You’ll still save money even if it needs some work.
Even with stellar credit, I don't have hundreds of thousands of dollars lying around in order to buy a home without a loan.
Of course and most on here have the cash to buy things, fix things or go without. But buying a house is quite different. The average home in the United States is $428,000. An extremely small amount of people can buy a house outright.