I'd have probably saved $3k or 10k after tax credit if I bought model Y now instead of August. If I'd ordered at peak prices I'd have lost 12k or 20k after tax credit.
But I bought in a different environment. My tradeins were worth way more. There was no new cars available. I made a buying decision at the time which made sense then and I can afford for the years ahead. I love the car. Any loss is a sunk cost I will ignore, and have zero regrets of.
My stocks went down much more than 20k in 2022. Yes if I knew when the peak was I could've sold when it was high and bought when it's low. I have a finance degree and CPA but can't predict any of that stuff (and would argue really nobody can) so I just have to make the best financial choice at the time and live with the market going up or down later.
Same applies to the car market.
But I bought in a different environment. My tradeins were worth way more. There was no new cars available. I made a buying decision at the time which made sense then and I can afford for the years ahead. I love the car. Any loss is a sunk cost I will ignore, and have zero regrets of.
My stocks went down much more than 20k in 2022. Yes if I knew when the peak was I could've sold when it was high and bought when it's low. I have a finance degree and CPA but can't predict any of that stuff (and would argue really nobody can) so I just have to make the best financial choice at the time and live with the market going up or down later.
Same applies to the car market.