re: Paying cash for a new car

quote:

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With max interest rates at probably 3% for a new car, finance it and stick that cash into an investment earning 5-8% return.

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Right

I would advise just putting enough down to where you'll never be underwater on the vehicle and then financing the rest.

If you financed 25K and put the 25K in investments as you said, you'll come out about 7K ahead even on the conservative 5% end of that.