ed25519 verify key: 6614c7acfe8e7419bbc26709d7f0fdcc55d8258f205a95173ce37e42e1715462

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Joined 2 years ago
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Cake day: June 23rd, 2023

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  • Your payments are not terrible for today’s car market, and you have a practical, late model car. It doesn’t seem like you will come out ahead on getting a different car because of the transaction costs associated (registration, etc).

    If you don’t drive it, it will depreciate slower and when and if it no longer meets your needs you will get more for it. You could probably get an older model for cheaper, but it will inevitably need work and you roll the dice with being stuck with an expensive repair.

    You could also lease an electric car with the stupid low lease prices they are offering, but then you are still on the hook for expensive insurance and are in a worse position in three years.

    Dump any extra you have into extra payments on the car for an easy 7% ROI, and use it to get groceries once a week.