the course of 5 or 6 years will be closer to 8%.

Real estate investments historically have bigger returns over that duration of time too.

It’s clear there are a lot of Dave Ramsey disciples here with the amount of people who like buying cars with cash. I see it as a high opportunity cost if I were to lock up $20k or more in a car. If we’re talking a super cheap car that’s under $10k, I think a cash purchase is fine. More than that though and I feel like I would put the cash elsewhere and finance.