There’s a simpler way to measure affordability.

If you need to consider, that means you can’t really afford it COMFORTABLY.

For example you go to kopitiam to order food, you won’t really consider about the price, just which food you want to eat.

If you go to high-class restaurant, you might start to check out the price and not comfortable to pay a few hundred ringgit for premium ingredients, that means your affordability level is only there and not higher.

If you can buy a car without caring about the price, that means you can really afford it COMFORTABLY.