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I prefer to own "my things." I'll purchase for sure. I understand the difference, and I can see the benefits of leasing... but similarly, I "bought" my house (yea, it's financed). I like knowing that I can do pretty much anything I want to the things that I call mine.
+ you get equityI prefer to own "my things." I'll purchase for sure. I understand the difference, and I can see the benefits of leasing... but similarly, I "bought" my house (yea, it's financed). I like knowing that I can do pretty much anything I want to the things that I call mine.
I should've caveat-ed that, but yes, I was referring to his owning his home.Equity only make sense with appreciating assets (like a house). Not a depreciating asset like a car.
Just don't lease if you're planning to buy at the end - you'll overpay for the car by $7500, since the tax credit is added to the residual. See this thread:
Model 3 leasing
i am a bit conflicted - i feel that my decision not to lease the 2011 leaf was a serious mistake given the battery degradation/current resale value and that i'd have to drive the car for ~4 more years to get the cost of ownership (on a monthly basis) down to where a lease would have gotten me. so off the cuff i'd think it's a good idea to lease any new EV just so the battery does not become my problem. what do you guys think?
It depends on the lease/purchase costs/time you'll own the car. A purchase is worse than a lease when the amount you paid to purchase the car less the value is more than it would have been to lease the car. Back of the pad suggests that leasing an S70 for 8 years would run ~$90k+, while purchasing would be ~$83k, and while the purchased S would have depreciated a ton, it would still be worth something. In that case, buying is better. There may be situations, like a low mileage 2-year lease, where leasing is less expensive than buying because of the resale hit.Equity only make sense with appreciating assets (like a house). Not a depreciating asset like a car.