Financed. With an interest rate of just over 2% it would be foolish to lay out that much cash all at once and forego the chance to make more off investments. Even a very conservative portfolio with something like treasury bonds will out perform that 2%. And at my age, with an aggressive portfolio, I stand to gain far more. Now I can see how with a high trade in some folks just pay off the difference to save themselves the hassle of dealing with a loan. However I kept my car to use as a daily driver, so I was on the hook for the full amount of the truck. Unrelated to trucks, the OP is right about making the most of the economy and tax rates. Just about every Dem candidate has indicated they want to end the current tax cuts. If you are young, and are not packing every possible cent into Roth 401ks or Roth IRAs that you can, then you are doing something wrong. Now is the time to take advantage of those great rates, before an administration change crushes the middle class. Not getting political, this is just a simple fact of the tax rates.