Darn. Hindsight is always 20/20, .00009 is incredible. I am not too hung up on it though. The MF is still good without any MSDs.
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There is for sure at least $1k in bonus cash from Volvo on that car so your discount was more like 6%. Not to belabor the point as others have already said but you did not get a good deal here bud.
The moral of the story is I have hardly seen someone who signed the lease and THEN ask if they got a good deal obtain a satisfactory answer. It is always better to ask BEFORE you sign.
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From what I could see there was only $750 in bonus cash for the vehicle.
A lesson here is that many people think MSDs donât matter in situations where âthe MF is still good without any MSDsâ. MSDâs make sense in all situations where the post-MSD MF is above zero (unless the MSD program itself is crappy with a low payoff per SD).
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I think that is only on the Momentum model.
If you look at the calculator, this is a $64,755 XC60.
You did pretty well, and honestly all that matters is that you love the car, and Iâm assuming your monthly payment worked within your budget. Sure, I got the MSDs low but I probably couldâve gotten the sales price lower if I wasnât so hungry for that specific car⌠As you said, hindsight is 20/20. Thereâs always a million more things you couldâve done according to this forum. Youâve done better than many other XC60 leasers; this model just doesnât lease well like the S90 or XC90.
You got the car you wanted, itâs fully loaded, and the driving experience is just so incredible. Try not to beat yourself up about it too much and enjoy having the best SUV on the road! 
It is simply not true to say that âMSDâs make sense in all situations where the post-MSD MF is above zeroâ . For example, letâs say the MF is already very low, and you are allowed to put down $2k to end up saving $50 overall. Well⌠that $2k would be much better invested elsewhere. You just have to calculate the ROI.
Uh - that is why I gave the caveat that you have to look at the MSD program - I said âunless the MSD program itself is crappy with a low payoff per SDâ. There arenât many MSD programs that only yield 2.5% as in your example - that would qualify as âcrappyâ.
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Multiply $50 each month of lease. Show us where you can make $50/mo on $2000.
Well, maybe loaning it to the guy who needs $400 for his lease payment in 3 days. Lol
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Ha - for sure. I assumed the $50 was an annual savings in his âexampleâ. Hopefully even the above poster would see the merits of a 30% after-tax return if it were $50 per month for $2000 in MSDs.
Fantastic car. Absolutely terrible deal. But at least you have a fantastic car. Enjoy it.
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Yeah I meant over the total course of the lease, i.e., 3 years, which is why I said total. I gave an extreme example to show a clear case when the MF is nonzero and when it isnât worthwhile to do so.
Your additional caveat is bizarre, essentially saying it is always worth it unless it isnât. I was providing more context as to how to determine if itâs worth it.
You made up a case that doesnât exist.
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Sorry, my initial post wasnât very clearly written. What I was trying to say is that if a MF starts VERY low, such as .00001 from Toyota, then it doesnât matter if the MSD can bring it down by 100x because the real value is so low to begin with. So itâs not that the reduction is crappy, itâs that there wasnât much to reduce in the first place.
Didnât mean to call anyone out, sorry if it seemed that way.
Thatâs what @kevinmr meant by above zero MF. When the MF is .00001, you cannot apply MSDs.
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Edited not to pile on. Apology good.
So, just for my own edification. What details of the lease did I not do a good enough job negotiating?