Living in Africa made me realize how much access to credit can change your opportunities

One thing I've always found fascinating is how differently people buy things depending on where they live.

In many African countries, if you want a car, a phone, or even something like the Meta Ray-Ban glasses, you're often expected to have the full amount upfront. Credit exists, but it's not nearly as accessible for most people.

Then I look at places like the US and most first world countries, where many people can buy things and pay them off over time if they qualify.

The thought that crossed my mind was, "That changes what's possible."

Take the Meta Ray-Bans as an example. If I could pay for them monthly, I'd immediately be thinking about how to use them to create content or earn enough to cover the payments. Instead of needing hundreds of dollars upfront, the tool could potentially help pay for itself over time.

It made me wonder how much easier it is to start businesses or try new ideas when you can access useful tools before you've saved the full purchase price.

For those of you living in countries where financing is common, does it actually feel like an advantage, or do most people avoid it because of debt and interest?