The feds are still determined to get my car

[Bares, Vittorio]

Not only that Ben - but what's the opportunity cost?

Positives:
-- $4500 mostly covers your immediate depreciation on a new car in the
$20k range.
-- new car, you'll just drive it and do regular maintenance on it for
the next 3-5yrs (depending on what you buy)
-- happy wife, happy life :)
-- you'll have nothing to do on the weekends

Negatives:
-- you'll have nothing to do on the weekends
-- doesn't apply if you are paying cash - I hate paying interest on a
rapidly depreciating asset.
-- Insurance goes up ($)
-- Registration goes up ($)
-- If a TDI is anything like my diesel truck - your regular maintenance
is going to be more expensive. ($)
-- Nothing you buy will be like a 20vt
-- If you get a loan you're now going to spend $4k - $6k per year on
payments, for the next 4-5yrs:
	o what else could you do with that $?
	o what's the opportunity cost of the $$ you spend on a new car

I wrestle with this subject every time I have a bad Audi month - and
this month has been worse than most (4k no-start, S6 bad HG, 200 10vt
ign switch, A4 control arms - I'm driving the F250 super crew :o!)

If $ was not an issue, you'd just buy it outright, take the $4500 to
cover depreciation and have yourself a good deal, albeit on a rapidly
depreciating expense.

Can't see dropping $20k-$40k, that's me - I'd rather own it, than owe on
it.

Vittorio -