Hello everyone, and welcome to Letters to Marvin, your weekly Oppo column wherein someone submits a letter to Douglas DeMuro, and then Marvin responds with helpful, reasonable advice that makes the world a better place.

So the answer is quite simple ... All scenarios are based on a $25,000 car purchase

Scenario 1 :

Financing for the car is at 2%, but you can invest your money at 5%

FINANCE THE DAMN CAR

Scenario 2 :

Financing for the car is at 5%, but you can invest your money at 2%

PAY CASH

Scenario 3 :

Financing for the car is at 2,5%, but you can invest you your money at 2.5%

GO HALF AND HALF, YOUR FINANCING WILL STAY AS IS, YOUR INVESTMENT CAN FLUCTUATE IN BOTH DIRECTIONS, WORTH THE RISKS

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SCENARIO 4 :

Financing for the car is at 2,5%, but you can invest you your money at 2.5%, but you also have $20,000 in credit card debts at 18%

PAY YOUR DAMN CREDIT CARD AND BUY A USED P71, CASH

Moral of the story : You need to take you whole financial situation in consideration and make the wise, sometimes even leasing a car at a low interest rate and buying back later can be a wise move if it allow you to pay high interests debts faster. Sit down and do your homeworks, and calculate the total cost of ownership. Going with preconceived ideas could cost you dearly.

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Marvin Oliver Eubanks is a freelance writer, essayist, automobile historian and civil aviation Guru. Follow him on Twitterhttps://twitter.com/marginfromoppo