re: How much debt do you have?

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can't it make sense in some cases due to insurance?

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i mean if you are only going to have liability...i guess maybe. but dont know too many people who only have liability unless they are broke as frick.

in general though if you have the cash to pay for a car....and you have the credit to get lets say a 2% interest rate....much better off doing longest terms possible at the lowest interest when compared to inflation. then take your lump sum and invest it.