"Si tienes que preguntar cuánto cuesta, no lo puedes pagar."

The basic idea here is pretty straightforward: if you need to inquire about the price of something, it likely means it's outside your budget. Let’s break this down. Essentially, the saying is a way of highlighting that luxury items—or really expensive things—are meant for people who don't need to worry about their cost. If you have to ask, chances are, it's not for you.

This phrase has a rich history, often attributed to J.P. Morgan when he was asked about the price of maintaining a yacht. The implication was clear: a yacht is such an extravagant expense that if you have to question the cost, you don't have the financial cushion to comfortably sustain it.

Let's look at a real-life example. Imagine you're browsing through a high-end car dealership. You spot an ultra-luxurious sports car, something like a limited-edition Ferrari. The price tag isn’t displayed. When you ask the dealer how much it costs, you're essentially signaling that the price is a deciding factor for you. For the clientele expected to buy this Ferrari, the price is a non-issue because their wealth is so substantial.

So, how do you apply this wisdom? It's about understanding your financial limits and setting realistic expectations. If you find yourself needing to ask about the cost of something, it’s a nudge to reconsider whether it's a feasible purchase or something you should aspire to when your financial situation permits.

To illustrate this further, let’s dive into a relatable scenario. Think about planning a wedding. You visit a venue and fall in love with it instantly. It's stunning—fairy lights, a perfect garden, a grand hall. But there's no price list visible. When you sit down to discuss the details and they tell you the price, your heart sinks. It's triple your budget. That initial conversation about the cost was your first clue.

On the flip side, say you're at a bakery choosing a cake for the same wedding. You see the cakes, ask for the prices, and they all fall within your budget. Here, asking about the cost is a normal part of the process because the items are within your financial reach.

In essence, this quote serves as a reality check. It’s all about knowing where you stand and making decisions that align with your financial health. So next time you’re tempted by something opulent and feel the need to ask the price, take a moment. Think about what it means and whether it’s a smart move for you right now.

Remember, it’s not about denying yourself pleasures or aspirations. It’s about smart decision-making and recognizing when something is a bit too much of a stretch. Financial stress isn’t worth the temporary thrill of owning something you can’t really afford. Be realistic, be smart, and when the time is right, you won't need to ask the price. You’ll just know you can handle it.