Quote:
Originally Posted by silverlegacy
...Clear as mud right? 
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Or, you could spend the $25K now, save the interest over the two years, and dollar cost average what would have been the car payment into an investment and end up in relatively the same place, or better depending on market conditions, without the risk (and yes, there is one) of carrying a loan.
Also, on the investments in your example you are leaving out the taxes you would need to pay to realize your gain.
We've gone around this many times on the forums here. It's a polarizing issue (almost as much as AT vs MT). In the end, the OP just has to decide how they prefer to handle their money.