<prompt> Human: Looking at a 35000 car and was going to save up for all of it. Instead once I save it all up I want to finance the car but still keep the money liquid and safe so that I can pay the entire loan if I want to get out of it as well as not dropping all my money on the car.So instead of buying the car outright Id put all of it in a one year CD. After the one year Ill take what remains of the loan and put it in another one year CD. The remainder will go into the market as an SP fund. Then I repeat the process. My thought is I always want enough liquid assets not tied to the market to cover my position on the loan.I have an 800 score so Im looking at a car loan around 4. The first year I will lose because the loan costs more than I make in the CD but as more money goes to the market it tilts the numbers.So do I end up ahead or should I just buy it outright?  <response>: You will wind up richer by buying a more reasonably priced car. You wont wind up richer with crazy borrow-and-invest strategies. 