My reply to you specifically said no or extremely low interest: 0% or 0.99%:
Incomplete equation when the market is beating 3.5% (opportunity cost). Also need to factor in depreciation.
OK, but in the case of you buying a vehicle either way; you are spending say $100K either way:
1. You pull the cash out of your savings/investments...etc. and lose whatever that money was going to make
2. You take a low interest loan (0%, 0.99%...etc) and keep that $100K invested where it makes money
The money making more money and you making the payment with the investment revenue, is the smarter way to go.
Vs that money being invested and whatever that money would be making.
You have dodged or deflected my specific question on this multiple times while dancing around pretending you are answering it. This feels like Question Period in the HoC with Justin Trudeau. Let's try this one more time:
Do you agree that in the scenario I presented, where a fixed amount of money is being spent regardless, that financing at 0% or 0.99% is smarter than pulling the money out of your investment portfolio to spend?