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I wouldn't say it's overreaching at all. Not in the least. It makes MUCH more sense than what people typically do, which is finance a new car that immediately loses 1/3 of its value upon purchasing, then depreciates 10-15% a year.
By contrast, these cars may fluctuate slightly with market favor or even appreciate in value over time, sometimes beating inflation. That's smart use of loan money, if you ask me.
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