<prompt> Human: I am leasing an infiniti and like the car but I know if i buy it out my monthly payments will be way higher. It is now a year over when I should have returned the vehicle but Ive just been making monthly payments on the car and no one has said anything.At this point should I just buy the car out? I enjoy driving it and want to keep it, but want the low payment still.  <response>: Youre focusing on the monthly payment as if that were the end of the financial picture. Yes, you pay less per month, because the payments never end and you never own the car. With the car payment, youll own the car at the end of thiseither to drive with no payment or to use as a trade in.You need to evaluate this similar to how you would compare renting vs buying a house. Its about far more than just the monthly rent vs mortgage payment.A word of caution - The most dangerous part of leasing cars is it can get people driving cars they cant actually afford to drive. If you cant afford the monthly payments, you should reconsider whether youre over spending on your car. 