You can afford the price and still not afford the distraction.

Money is only one of the prices. Something can be cheap and still cost you weeks of attention, a lingering obligation, or the mental space you needed for something that mattered more. Affordability in cash says nothing about affordability in focus, which is the scarcer account.

Before adding something, ask how much of your attention it will hold and for how long. If the answer is more than you have spare, the price is too high regardless of what it costs.