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I think about this similarly. If I’m getting a loan for less than 2%, inflation is typically 3% and my investments grow faster than the inflation rate it’s not worth it for me to put a bunch of money down. In some sense the cost of the car becomes cheaper each month over time if you consider the future value of a dollar is always decreasing. And if I can’t afford the payment structuring the loan that way, then I have no business getting the car.
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