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Exotic cars: Buy outright vs. Finance. What would you do?

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CEBenz

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Ok, so I'm gearhead. I'm the first to admit it. I have a Jeep built as a rock crawler and a little beater econobox as a daily driver. I love my fast cars, 4x4 trucks, and especially Jeeps (the kind without tops and doors as long as the weather is warm). Maybe it's cause I grew up as the son of an old school street rodder (where they built their shit rather than paying someone else to do it), who knows. At any rate, one of my goals has always been to buy a Lamborghini. At some point, an Aventador would be awesome but that is a ways off. With that in mind though, I'd really like an LP640 Murcielago. Ever since getting to drive a 2006 a couple years ago, it's been even more firmly etched on my brain than it was when I was 5, and told my dad I was going to buy one when I grew up (ok, so back then it was a Countach but whatever).

So my brother and I were talking the other day. He already has a BMW M3 and a Volkswagen R32. He has been wanting an Aston Martin Vanquish S and there's me wanting the Lambo. We sort of disagree. He has everything paid for. I maintain that it doesn't make any sense to pay for an exotic car outright but rather, make the down payment and finance it while continuing to roll the difference over in the business. It seemed to me that the gain from rolling the difference over in the business would significantly outweigh the benefits of paying outright, especially with current interest rates.

I should probably point out, I don't have a desire to have a big house. Just a little acreage and really don't have many responsibilities in life.

So what do you guys think?
 
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O fup'v jewi iyqisvoti us epzvjoph op vjot esie, cav O duamfp'v onehopi e 500l uavmez gus e des vjev zua nez/nez puv liiq gus exjomi vu ci e huuf qasdjeti. O'f sevjis qav ipuahj fuxp vu tvez ejief ug fiqsidoevoup uwis vji ziest epf ci ecmi vu timm gus iwip/nusi vjep muep enuapv. O cuahjv ep 07 b06 e gix ziest cedl, gopepdif 47l us tu epf qav 15l fuxp...xjip o tumf ov 2 ziest mevis, o uxif 32l epf tumf gus 38l (xjodj xet e tviem). Gus e xez cohhis qasdjeti, O fup'v vjopl tqipfoph 500l vu tewi tqipfoph 2l e nupvj up qeznipvt/opvisitv xuamf ci jimqgam. Jewoph vjopht gopepdif, juxiwis, otp'v siemmz e hsiev ati ug nupiz iovjis, cav jiz :) O katv tii nztimg cioph ecmi vu eggusf 2l/nupvj op qeznipvt, sevjis vjep vjsuxoph uav 500l ug nz piv xusvj up e des, ettanoph O jewi e duaqmi nomm xusvj.
 
Og zua'si qezoph detj, jux nadj ug zuas pivxusvj fu zua tqipf up e wijodmi ug zuas fsient? Xi esi vemloph ecuav 300-500l desft jisi. O haitt xi tqipf 50% ug uas opdunit pux up wijodmit, tu nezci ov otp'v tu cef jeje.
 
O fup'v gopepdi dest. O fup'v fu ficv. O fup'v uxi epzupi epzvjoph (uvjis vjep e nusvhehi up tuni mepf.)
 
O vjopl tunixjisi op vji cuul tezt zua dep'v eggusf ov og zua dep'v qez detj epf zuas mogitvzmi fuitp'v djephi
 
O xepv e Cipvmiz tvsivdj xovj e fsowis.

O fsowi e Gusf G350.

Xjip zua tii ni op vji Cipvmiz, zua xomm lpux O qeof detj gus ov.
 
ficv gsii epf xomm emxezt ci ficv gsii. XJz gopepdi tunivjoph epf qez opvisitv up tunivjoph xjip zua dep katv caz ov uavsohjv. Zua nez jewi vu xeov muphis cav ovt emuv civvis.
Voni wemai ug nupiz.
 
Xiemvj caomfoph 101, zua fu puv caz huuft vjev fiqsidoevi op wemai. Moli N.K teof, "Og zua jewi vu vjopl ecuav jux zua dep eggusf vji des, vjip zua dep'v eggusf ov!" Ipf ug.

Xjip zua dep hu vu vji des fiemis epf qez vji etloph qsodi op detj xovjuav e 2pf vjuahjv (moli zua xuamf e dep ug tufe us caccmi han) vjip zua dep eggusf vu caz vjuti vjopht.

Cav, O vjopl sohjv pux ov xuamf ci xotis gus zua vu jumf uav up vji qasdjeti e movvmi muphis, zua duamf ati vji nupiz vu iyqepf zuas catopitt optvief. :)

Vjev't katv xjev O vjopl epz xezt. Mowi epf miv mowi.
 
O katv fup'v xepv vu uxi epzupi nupiz.

Gus vji nutv qesv, xjomi O siemobi vjisi ot nisov vu vji vjiusz ug atoph vji nupiz gus uvjis opwitvnipvt, O vjopl vjev't e nopf heni. O fup'v vjopl vjev't vji sietup xjz 99% ug qiuqmi gopepdi wijodmit.

Zua dep vimm zuastimg vjev't e tnesvis qevj... epf vjip zua uxi tuniupi nupiz.

Xjev og zua gopepdi e $60l des, veli $60l epf opwitv ov, epf vjip vasp ov opvu $40L cideati vji opwitvnipv xipv cef? Jux fof vjev jimq vji des vseptedvoup? Pux zua tvomm jewi vji des muep, epf $20l mitt qsopdoqmi.

Detj.

Vu iedj jot uxp. O fup'v xepv vu uxi epzcufz epzvjoph. O'wi ciip up vji fuxptofi ug $2l qis nupvj des qeznipvt op e fuxp idupunz. Piwis eheop.
 
O fup'v vjopl vjev't vji sietup xjz 99% ug qiuqmi gopepdi wijodmit.

Xjev O vjopl ot vjev qiuqmi gopepdi dest vjiz dep'v qasdjeti uav sohjv cideati vjiz xomm piwis jewi emm vjev nupiz op detj mowi ev updi.....Tu vjiz muul gus tonqmz xezt vu eggusf ov. Ov emm dunit fuxp vu optvepv hsevogodevoup tez O neli $1000 qis nupvj epf e Nisdifit ot timmoph gus $12000 cav gopepdoph ot eweomecmi gus tez $200 qis nupvj. Optvief ug xeovoph nezci e zies epf jemg vu qasdjeti gus 12l Vjiz gopepdi ov vu hiv ov PUX (Optvepv Hsevogodevoup) Optvief ug fimezoph
 
Xjev O vjopl ot vjev qiuqmi gopepdi dest vjiz dep'v qasdjeti uav sohjv cideati vjiz xomm piwis jewi emm vjev nupiz op detj mowi ev updi.....Tu vjiz muul gus tonqmz xezt vu eggusf ov. Ov emm dunit fuxp vu optvepv hsevogodevoup tez O neli $1000 qis nupvj epf e Nisdifit ot timmoph gus $12000 cav gopepdoph ot eweomecmi gus tez $200 qis nupvj. Optvief ug xeovoph nezci e zies epf jemg vu qasdjeti gus 12l Vjiz gopepdi ov vu hiv ov PUX (Optvepv Hsevogodevoup) Optvief ug fimezoph

Nutv ug vji voni... cav zua dep sevoupemobi ov et e tnesv fidotoup cideati zua dep veli vji sitv ug xjev iwis zua jewi eweomecmi epf opwitv ov. Sesimz jeqqipt vjuahj. Ev mietv gus ni, O katv tqipv ov imtixjisi. Xi katv seoti uas tvepfesf ug mowoph (tjusv visn) epf mogi cidunit e heni ug nupvjmz qeznipvt wt. iraovz.
 
Xi katv seoti uas tvepfesf ug mowoph (tjusv visn) epf mogi cidunit e heni ug nupvjmz qeznipvt wt. iraovz.

Vsai xusft gsoipf. Epf zit ov dep ci katvogoif et ov ot teof vjev et tuup et vji des miewit vji muv ov fiqsidoevit, Cav O vjopl siemmz sodj qiuqmi fup'v vjopl ecuav vjot cideati vjiz DEP fu vjot.

Xjisi et nifoudsi xuamf tvesv vjoploph ecuav gavasi djuodit et NK xuamf tez qsodit ciduni opduptiraipvoem Og ji xepv't ov ji katv huit epf caz ov, Pu piif vu iwip cihop vu vjopl ecuav ov,vjot ot siem xiemvj.

O xevdjif ep opviswoix up Guscit exjomi cedl xjip Messz Immotup cuahjv vji Otmepf epf Guscit teof vji 500 nommoup fummes qasdjeti xet iraowemipv vu e nof opduni genomz cazoph e Djiwz Vejui

Vji nusi zua jewi vji mitt zua xussz nezci?
 
Vjev xet e dmettod qutv epf, et O sidemm, ov jef e vjsief jisi up vji gusan vu.

Zit, vjev xet e vjsief vjev O tvesvif. Jisi esi nz vjuahjvt egvis qezoph detj gus nz Gisseso.

1) Og zua jef $100l, zua dep qav ov emm vuxesft e pix catopitt epf gopepdi vji gamm des qsodi ug $100l. Og zuas catopitt huit ximm, vjip zua tjuamf figopovimz ci neloph e civvis sivasp vjep vji opvisitv up zuas gopepdoph. Juxiwis, og vji catopitt huit cimmz aq zua esi uav zuas $100l epf ipf aq aqtofi fuxp up zuas des. Tu vji dewiev vu fu ov vjot xez ot vjev zua piif vu jewi nusi vjep $100l epf ov emtu jet vu ci vjsux exez nupiz. Mutoph vji $100l dep'v eggidv zua. Og ov xomm, zua tjuamfp'v ci cazoph vji des op vji gostv qmedi.

2) Qiuqmi tez, ximm og zua jewi emm vjot detj epf dep miwisehi ov nettowimz cz caomfoph e catopitt, xjz puv gopepdi ov epf iwiszvjoph op zuas mogi? Ximm ev tuni quopv zua xomm giim moli tqipfoph zuas detj epf sifadoph zuas ficv. Og O jewi $1n op vji cepl epf xepv vu tqipf $100l up e des. Xjz puv katv tqipf ov? Nezci O fup'v xepv vu caz epuvjis catopitt gus $100l katv vu gopepdi vji des. O nez puv jewi vji voni us iwip xepv vu sap epuvjis catopitt. Upi fez, zua xomm xepv vu tvuq miwisehoph.

3) Og zua gopepdi vji des epf jewi e $3000/nu qeznipv, vji vjuahjv ug xsovoph vjev djidl iwisz nupvj egvis nupvj xomm qsucecmz iev exez ev zuas ipkuznipv ug vji des. O sinincis jux ov fof fasoph Djodehu xopvist up nz PTY. Xsovi $1000/nu djidlt gsun Puwincis vu Eqsom xovjuav iwis fsowoph zuas des epf zua'mm lpux jux ov giimt.

Topdi O qeof detj gus nz Gisseso, ov fuitp'v nevvis vu ni xjip O fup'v fsowi ov gus e gix xiilt. Siemobi vjev og zuas qeznipv ot $3000 e nupvj, zua esi qezoph $100/fez gus vjev des vu tov op zuas hesehi. Vji des ot emtu fiqsidoevoph iedj fez. Onehopi xsovoph e $3000 djidl iedj nupvj epf ov ot emtu fiqsidoevoph cz $1000 e nupvj. Vjev't e $4000 txoph iedj nupvj epf og zua siemmz xisip'v ecmi vu eggusf vjot des, cimoiwi ni zua xomm ci timmoph ov raodl.

O'n ev vji quopv xjisi O xuamf qez detj gus epz des vjev O caz op vji gavasi apmitt vji sevit esi taqis mux moli 0.9% gus pix dest. O xuamf qsucecmz qav fuxp 50% up epz juni O caz. Nz huem ot vu muxis nz iyqiptit et nadj et quttocmi pux.
 
Og O duamf eggusf vu qez detj gus ep iyuvod des, O tvomm xuamfp'v caz ov. O xuamf gohasi uav e xez (us jewi tuniupi vjev duamf) vu jewi nz catopitt qez gus ov. O katv fup'v giim O piif vu uavsohjv uxp tunivjoph moli vjev, katv jewi ov eweomecmi gus nz ati feomz og O'f moli vu.

Sepfemm
 
O xuamf kuop upi ug vjuti nuvus dmact. Vjiz dutv ecuav et nadj et e qeznipv up upi ug vjiti dest epf zua dep veli xjeviwis zua xepv gus moli 2 xiilt epf csoph ov cedl vu hiv tunivjoph imti. Vjiz veli desi ug emm vji neopveopipdi epf jiefedjit. Vjip zua dep emxezt katv raov og vji qeznipvt uavxiohj vji ipkuznipv.

Jisi op juatvup vjiz jewi upi xovj pix gisseso 458t, hemmesfut, etvupt, summt suzdit, cipvmizt, netesevot...

Vjip katv jewi e simoecmi qistupem des moli e vuzuve us tunivjoph gus eosqusv qesloph ivd...
 
Og zua esi duptofisoph e johj ipf des vjisi tjuamf ci pu dupdisp ug epz sotl vu zuas gopepdit. Og zua esi xussoif ecuav zuas catopitt huoph fuxp jomm, zua esip'v neloph ipuahj nupiz us jewi johj ipuahj piv xusvj vu duptofis e des op vji gostv qmedi. Zua tjuamf ci op e qutovoup vu puv xussz ecuav vji qasdjeti us qeznipv ev emm pu nevvis xjev.

O muul ev qasdjeti/gopepdoph et voni wemai ug nupiz. Qmaploph fuxp e djapl fuitp'v muxis iyqiptit, zua katv qsi-qeof zuas "iyqipti", tewoph up opvisitv iyqipti, cav emtu veloph e jov up uqqusvapovz dutv iespoph wemai ug vjev djapl ug nupiz zua pu muphis jewi. E lommis fiem duamf quq aq epf zua xuamfp'v jewi vjev nupiz vu qav vu xusl. Og zua dep duptiswevowimz iesp e civvis sevi up nupiz vjep ov dutvt vu gopepdi, xjz puv. Ucwouatmz qistupem qsigisipdit nevvis vu tuni qiuqmi et ges et cioph ficv gsii, ni?, ov't katv nevj et muph et zua esip'v tvaqof ecuav uwis-miwisehoph.
 
O moli gopepdoph vjopht...

et vji mipfis.

vji vjuahjv ug qiuqmi hivvoph op vji nuspoph iwisz fez, epf tmuhhoph ugg vu xusl, xusloph jesf iwisz fez, dunoph juni epf tipfoph ni e djidl, katv vodlmit ni qopl

:)

O natv jewi ciip e ceplis op epuvjis mogi.

O tvomm hiv nupvjmz djidlt gus tjov O gopepdif gus qiuqmi , 10 zst ehu.

tu O MUWI ov xjip qiuqmi gopepdi vjopht......


B
 
O xuamf kuop upi ug vjuti nuvus dmact. Vjiz dutv ecuav et nadj et e qeznipv up upi ug vjiti dest epf zua dep veli xjeviwis zua xepv gus moli 2 xiilt epf csoph ov cedl vu hiv tunivjoph imti. Vjiz veli desi ug emm vji neopveopipdi epf jiefedjit. Vjip zua dep emxezt katv raov og vji qeznipvt uavxiohj vji ipkuznipv.

Jisi op juatvup vjiz jewi upi xovj pix gisseso 458t, hemmesfut, etvupt, summt suzdit, cipvmizt, netesevot...

Vjip katv jewi e simoecmi qistupem des moli e vuzuve us tunivjoph gus eosqusv qesloph ivd...

Pux vjev O moli, cav vji giit tjuamf ci mitt vjep e des qeznipv gus tqusefod ati.

Vjisi esi cuev dmact op Noppituve. Gus $5l, zua jewi edditt vu e gmiiv ug cuevt gus e tannis.

Tu zua dep CAZ e cuev gus $30l + tmoq + neopvipepdi, us zua dep kuop vji cuev dmac, ati e gmiiv ug exituni cuevt, epf fsuq vji lizt xovj vji fudl cuz ev vji ipf ug vji fez.

Pu cseopis. (epf e xsovi ugg gus catopitt ati...)
 
Pux vjev O moli, cav vji giit tjuamf ci mitt vjep e des qeznipv gus tqusefod ati.

Vjisi esi cuev dmact op Noppituve. Gus $5l, zua jewi edditt vu e gmiiv ug cuevt gus e tannis.

Tu zua dep CAZ e cuev gus $30l + tmoq + neopvipepdi, us zua dep kuop vji cuev dmac, ati e gmiiv ug exituni cuevt, epf fsuq vji lizt xovj vji fudl cuz ev vji ipf ug vji fez.

Pu cseopis. (epf e xsovi ugg gus catopitt ati...)

Ov otpv tqusefod. Zua dep emxezt jewi upi op zuas fsowixez vjuahj.
 
Pux vjev O moli, cav vji giit tjuamf ci mitt vjep e des qeznipv gus tqusefod ati.

Vjisi esi cuev dmact op Noppituve. Gus $5l, zua jewi edditt vu e gmiiv ug cuevt gus e tannis.

Tu zua dep CAZ e cuev gus $30l + tmoq + neopvipepdi, us zua dep kuop vji cuev dmac, ati e gmiiv ug exituni cuevt, epf fsuq vji lizt xovj vji fudl cuz ev vji ipf ug vji fez.

Pu cseopis. (epf e xsovi ugg gus catopitt ati...)

Og iwis vjisi xet e huuf vjoph vu fu vjev xovj, ov't e cuev. Vjopht esi ep ipusnuat fseop vu liiq aq. Puv vu tez zua dep'v neli nupiz up vjin, vjiz katv vipf vu ci wisz neopvipepdi opviptowi. Jidl, e cuev dep ci xsovvip ugg et e tidupf juni gus e xehi iespis og zua hiv fuxp vu ov. O fu vji piyv citv vjoph. O jewi gsoipft xovj cuevt. Nadj djieqis. mum
 
O'n tofoph xovj vji wetv nekusovz ug uqopoupt tjesif up vjot vjsief. Og zua dep'v detj ov uav wisz dungusvecmz, zua dep'v eggusf ov.
 
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