[jcunning]

I must say that I've never come across a pro-lease point of view that actually did have some fair points with math to back it up.

I definitely learned a few things about leases that makes them less bad from a financial sense. I'll keep these in mind when discussing leasing vs. buying with people.

I would still lean toward buying with cash vs. leasing though. I would still prefer knowing I owned the car flat out and don't have to worry about making any payments. This reduces risk for when life happens.

Also, I think most people would not invest/save the monthly lease savings as prescribed in the financial plan. If they blow the money, they just lost any advantage they might have gained. That is probably why most financial advisers steer people toward buying with cash. Most people aren't disciplined like this and the numbers don't work without it.