I am not retired yet but am also looking at the Macan, seems to be decent inventory in CA. But the 2022 Macan S is the same as 2021 Macan GTS I think. So if you are going to get an S, get the 2022. As for the original question, I leased a car in August and the dealer took $5800 on credit card (MSD and drive off), but as discussed before, you might see a temporary drop in credit score. Good luck!
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Ok, one final follow-up question.
My 2019 Ford Edge lease ends January 14. Last payment has been made. I plan to buy from FFS and sell to Carmax and will net about $6K. So, I do not NEED to buy anything now.
SOā¦
Should I wait and see what the market does in a year or more for better deals and the evolving EV models? Or go ahead and finance a Porsche for five years as you have suggested?
At my age, delayed gratification is not high on my list. I am financially secure, debt free and healthy ā living a simple and beautiful life in a community called The Sea Ranch in northern California.
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Sell that Edge, buy that Porsche you want and enjoy it. You probably wonāt get any equity in your Edge next year.
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Looking at the MSRP seems like this is a base 2.0L Macan not the S
Yes-you should definitely look into buying vs leasing thisā¦ if they sell it to you at MSRP (I have a feeling that they may try to persuade you to lease-as they know car will retain most of its value) Do not budge, buy buy buy donāt lease it. Few years ago they had great lease deals, low $600/mo on the Macans not anymoreā¦ so buy it, drive it for 3 years and sell it to recoup some of that $$$. Also, with rates so low just finance the darn thing and as everyone else mentioned put the rest in the market to work for you even if youāre financially stable-cash is king, so more $$$ for those steaks you promised here 
P.S. Post some photos when you get it
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BMW letās you pay a lease with a credit card??
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Wait til those new EVs come out and then wait one year while the initial bugs are worked out.
Enjoy the Macan in the meantime.
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DAS at dealership YMMV
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Iām looking at a 21 Macan Exec Loaner (among 2 other vehicles). This car has under 2k miles, MSRP was $66340, and they are selling for $62750. At a 3/36 lease they are quoting me $885/mo, however this is with all upfronts due (acquisition, tax, title, plates, doc fee) + $2350 cap cost reduction. Based on the MSRP/selling price and mileage I would think your lease payment would be lower?
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i bailed on that lease. you guys convinced me. i will be ordering a custom build and finance with penfed. more on that later
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I would only add that purchasing means you will have the car for some period without a warranty. I donāt know what the warranty period is on a Porsche but it may be wise to consider an extended one. That adds to cost of course but still likely better than leasing. But to compare apples to apples one must consider that the lease period means there are no major repair costs unlike owning after the warranty expires.
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As was mentionedā¦
Put that cash in whatever investment thatās āsafeā. Plenty of them out there that easily beat the % charge to finance.
āmoneyās cheapā -āNicky Sobotkaā
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OP, so youāre ordering a 22? Nice! I think the 21ās are excellent, but the 22 does take it up a notch.
As far as Porsche reliability, I think many people lump these in with high maintenance exotics, which they are not. If taken care of a Porsche will last many, many years without major issues. Are they perfect, no, but they are well built and highly engineered cars. I bought my Boxster new in 13 and even though I only put ~4k miles on it per year I really am not worried about It being out of warranty, its been a dead reliable car.
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Looks very nice! Are those the 20" Turbo wheels? Post your final spec when you decide.
Slightly off topic but is this true? I thought maintenance costs were covered. But if the car was in accident/parking lot mishap during lease period, arenāt repair cost to be beared by the person leasing? Or are you referring to repair cost due to defect in manufacturing?
Yeah I meant warranty service which would cover repairs except maintenance although some leases include that as well. Accident damage is covered by insurance in any case.
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Where are these magical āsafeā investments that yield over 2%? Unless you want to buy junk or senior loans, where you have duration and/or credit risk, it doesnāt exist on the fixed income side. And equitiesā¦fine if you can hold, but if you need to sell in three years you are rolling the dice.
Perhaps youāve never lived through a real bear market? Take a look at 1999-2009ā¦it was pretty ugly.
I Bonds at whooping 15K per year
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