Simple math here. First of all let's take some raw data. 39,600$ financed at 300 a month = 11 years of payments. That's absolutely ridiculous and no dealership will do it so let's now assume a 0% loan for 5 years and factor in a down payment. At 300$/month that's a down payment of over half what the sticker price is. So you could almost literally pay cash for cars like a fiesta ST or even a one year old FR-S or Focus ST or GTI or V6 mustang.
Oh and we haven't gotten to my favorite part - INSURANCE. I call complete bullshit that you financed 40k and insured it for less than 300 a month without basically paying for the car outright. The M3 is classified in a league above cars like the V8 pony cars, but still slightly below the evo. For me, with NO POINTS, NO ACCIDENTS, and NO AT FAULTS OF ANYTHING EVER, I'm looking at about 450 a month. Consider that the insurance on an E90 M3 alone would cover the payment + insurance of my FiST. And you see why the M3 is very much a car that costs as much as it does. If I basically dropped my Fiesta ST's MSRP on that E90 M3 I would be paying 750 a month before anything else.
Oh what's that? The article assumes he sells it after 3 years? Wow, way to fucking clickbait while still being horribly wrong. First of all, you assume he sells it for the price you assign. Have fun with that. Secondly, you assume he sells it immediately. Every month that goes by that he doesn't sell it will raise that monthly fee. Third of all, let's revisit that timeline issue. Every month that goes by increases the chance for something out of warranty to go wrong and cost him more money. Your entire premise for the article is based on a massive pile of assumptions. Oh all of this is before insurance too. Which, in a state like michigan, will be in the 300-600$ range depending on age and points on license.
Jalopnik/Oppositelock.....THIS ARTICLE IS COMPLETE BULLSHIT. NO YOU CAN NOT MAGICALLY OWN A 40K CAR FOR 300$ MONTHLY PAYMENTS WITHOUT PAYING A FUCKING MASSIVE DOWN PAYMENT AND MAGICALLY FORGETTING ABOUT INSURANCE.
I will repost this later in the day for the afternoon crowd because graveyard is a bit empty.