Mr. Hariz works as an officer in a XYZ Sdn. Bhd which earns RM 5000.00 per month and uses 50% of its salary for monthly expenses after making savings. He will make savings every month by depositing 10% of his salary into the Amanah Saham Bumiputera (ASB) account. To improve the quality of life, he decided to buy a latest SUV car, the Honda HR-V. He intends to make a loan from a local bank to cover all car purchase costs. Mr Hariz needs an advisor to help him make decisions. As a friend to Mr. Hariz. You are asked to provide guidance to Mr. Hariz to make a decision to choose the purchase of the car taking into account all the factors that exist. Based on the information obtained, provide reasonable arguments and evidence to help Mr Hariz make a decision. Next, suggest to him the best solution he needs to do.