‘I can’t afford it’ – a common and well understood phrase that clearly ties a rejection to reasons regarding finances. Its counterpart, ‘I can afford it’ is a little more complicated. I offer my thoughts on what a number of hypothetical people mean when they say it. 1) The Hopeless I am able to get someone to give me the item in exchange for nothing but a promise to make future payments with interest. I am borrowing the full value and, if I did the math, I would not see a clear path to me being able to actually make the full payments. If I did the math I would probably also see that I will end up paying much more than the listed cost of the item. Most likely they will be reclaiming the item shortly and I will have wasted any money I gave them up to that point. 2) The Naive Optimist I am