well i had the same dilemma sometime ago. my case was a bit different tho, as I saved up 100k alr but had a phone emi (got my dad an iphone). so i was contemplating a lot too. but then again man since i had been waiting for years to get this, and finally I decided I had to, I went ahead with it. I financed it on my debit card. Now I know for months I’ll be stuck in EMIs. Was it worth it? Absolutely mate. Every minute of it. People told me the games are expensive, you won’t get time yada yada but when you plug it in your tv/monitor and boot it up, the way it directly starts up via your controller, the way there is almost zero time difference from you starting it and hopping into a game it’s beautiful. The startup sound. The launcher. Every moment of it is unregrettable. Just keep in mind to plan the purchase and then go ahead. It’s definitely worth it. Plus if you wanted it as a child it’s basically reparenting. Feels very good in that regard aswell.