[atombender]

> After 7 years I paid $32,062 for the car and earned ~$30,000 from investing (at 8%).

Nitpicking, but you didn't earn $30k from investing. You contributed $22,680, and ended up with $28,910, assuming dollar-cost averaging contributions monthly (bulk contributions at the beginning of the year would get you $31,223). So your total return, assuming 8% annual growth, is $6,230.

[hurricanetc]

Yeah that’s true. I was just keeping it more simple. Rounded a fair bit and assumed monthly dollar cost averaging.

I didn’t even get into down payment or cash opportunity cost because just generally don’t even believe the basic examples.