You tell me! Or maybe it isn't bad, I don't know. I have this feeling that trying hard to keep the monthly down may not be the best idea, but I am not smart with money like many around here are. I plan on financing my Performance Model 3 versus the lease I have ending on my Model S 70 (turning it in, not keeping it). Mainly, because I intend to keep the 3 for a long time. Those two cars are within $2000 of each other. Am thinking of trying to keep the monthly payment to a similar level as the S lease is. - Why shouldn’t I drop a huge pile of cash on a down payment, say $20k if I have it? - Would it be better to not do that and use that cash some other way? Invest it? Buy lots of bacon? The APRs I see out there are below 3%, although I have yet to apply for a loan. Any pointers appreciated.