I would be first in line when you post a qx60 in mid 300s 
Without MSDs it’s in high 400s tho
1 Like
Then put down MSDs, lol. Easy solve.
8 Likes
I’m going to take a wild guess that some, not all, people looking for a mid 3’s payment on a luxury car may not be able to put down (read: afford) MSD’s.
13 Likes
Not true at all…we’re all getting 5% return on the money so my money makes my two car payments every month.
3 Likes
I’m always looking to have as little money tied up in cars as possible, regardless of how flush I am
3 Likes
I did say said some, not all.
I am not aware of whether or not the return on Infiniti MSD’s is poor.
On BMW’s it’s a no brainer, 8-11% annually depending on the car.
2 Likes
Did someone just call a QX60 a luxury car?
You got me!
1 Like
more than double that on an infiniti - it’s a 90 point drop. not to mention the payment savings are both tax-free and risk-free. you can’t teach people math who refuse to understand it.
8 Likes
Always boggles my mind when I see folks worried about $20-30 a month but refuse MSDs.
2 Likes
I might agree, but when the ROI is more or less a no brainer, there really isn’t a good reason not to do MSDs, unless someone just has no way of coming up with the cash to do so.
2 Likes
Whenever MSDs come up there are always some that claim their investments are making 80% return or something crazy so it isn’t worth it. I have yet to see risk-free returns that can match MSD savings on whatever car we happen to be discussing. So yeah, either you like to gamble with every cent you have and have no liquidity, or you just don’t understand MSDs.
5 Likes
Nope we’re still looking at a decade old Volvo here
Get them while you can
2 Likes
Don’t have the cash. Plain and simple
1 Like
MSDs are usually the way to go but I know many people that have good reasons not to always use them.
One is if you plan on a potential lease transfer at some point it will narrow the number of people that can cough it up. Another depends on if you are a 1099/IC or if you own your company and how you structure your taxes/deductions as to actual expenses or mileage and how much you need for those deductions.
MSDs also need to be looked at along with what other debts and/or obligations you may have such as student loans, college or private school expenses for kids, paying for elderly parents, second homes or investment properties, etc. Obviously paying down other debts depending on the interest rate, etc. and having capital available for other opportunities or emergencies will make a difference depending on your personal financial situation.
Compounding interest (both ways), taxes and opportunity costs cannot be overlooked.
6 Likes
The majority of people who turn down doing deals with, say, first pmt + msd, ultimately wind up doing similar cash outlays when they close as first + taxes and fees…
2 Likes
Yep, definitely happens. Might not even make any sense.
I want in! Has to be “risk free” as well!
1 Like
I get it. If I save more giving up 4k for 2 years to save 50 to 75/mo it’s a better return than I’d earn elsewhere, but I always to to not tie money up if possible. (I just did MSDs on xc90 ultra, 388 mo, 0 down g 24/7.5)