Spending a ton of money on a television is irresponsible.
Toby is at an electronics store looking at TVs even though he's on a limited budget.
Toby wants to buy a TV.
Toby purchases a medium sized older model TV which fits within his budget.
Toby buys a huge and very expensive TV although it's way above his budget.
Toby enjoys watching his new TV while taking care if his other financial obligations.
Toby is unable to pay important bills that month and gets in trouble financially.