For starters I don't buy brand new, the family car was a low mileage, well specced 18 month old car. I'm not concerned if we lose a bit more money on it than we would have spent on finance; we can afford it. I worked for a bank for some time and it left me very much averse to using credit if I don't need to - I saw some horror stories there of people who ended up with so much debt that they would never clear it. Here in the UK it's ludicrously easy to get crazy amounts of credit. Maybe I'm old fashioned, but I like to own things outright. The other car is my fun car (2018 BMW M3), I don't see myself selling anytime soon.