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GEN 3 (2021+) Ford F-150 Raptor Forums
Ford Raptor Engine Discussion and Performance Mods
No/Low Cost Performance Mods?
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<blockquote data-quote="LennyMoe" data-source="post: 1892737" data-attributes="member: 50976"><p>I guess it depends on how you look at it. You don't realize gains until you sell, you don't pay taxes until you realize gains. I just used the S&P as an example because it's had an 11.8% average yearly return since it's inception, and in the last 5 years it's had an average return of 7.51%. Either way, it's still better than any interest rate out there. The point of my post was to say, I'm not going to pull cash from my investments if the bank is going to loan me nearly free money. Sure, interests rates are higher now, but I got my truck in 2021 and that's what my rate is. For the people financing now, they can always restructure the loan for $150 doc fee down the road when rates drop. </p><p></p><p>In other words, I just hate when people shit on financing a vehicle and then say cash is the only way. Nahhhh, if you're a cash only guy, your "cash" is literally losing you money every second of every day due to inflation. Rich people don't get rich by paying cash; they get rich by making their money make them money.</p></blockquote><p></p>
[QUOTE="LennyMoe, post: 1892737, member: 50976"] I guess it depends on how you look at it. You don't realize gains until you sell, you don't pay taxes until you realize gains. I just used the S&P as an example because it's had an 11.8% average yearly return since it's inception, and in the last 5 years it's had an average return of 7.51%. Either way, it's still better than any interest rate out there. The point of my post was to say, I'm not going to pull cash from my investments if the bank is going to loan me nearly free money. Sure, interests rates are higher now, but I got my truck in 2021 and that's what my rate is. For the people financing now, they can always restructure the loan for $150 doc fee down the road when rates drop. In other words, I just hate when people shit on financing a vehicle and then say cash is the only way. Nahhhh, if you're a cash only guy, your "cash" is literally losing you money every second of every day due to inflation. Rich people don't get rich by paying cash; they get rich by making their money make them money. [/QUOTE]
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GEN 3 (2021+) Ford F-150 Raptor Forums
Ford Raptor Engine Discussion and Performance Mods
No/Low Cost Performance Mods?
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