<prompt> Human: Im in the market for a new vehicle and debating how much of a cash down payment to make. Were debt free besides a 1900mo 15yr mortgage, have an emergency fund, contribute to retirement, credit cards paid in full every month, credit score will over 800, and looking for a 30k-50k new vehicle. Is there a recommended percentage to offset depreciation, or should I bother? I could pay cash for the entire vehicle, but would rather contribute more to an investment than a depreciating asset. Thanks for any advice.EDIT: out of pure curiosity, I noticed this post got down-voted a lot. What can I do to improve my posts in here?  <response>: The cries dont pay for a depreciating asset are completely misguided. Once you sign to purchase the car, if you put zero down or pay it in full or anywhere in between, the car is yours and the obligation to pay for the car is yours.You can decide to take a loan if the rate is very low and you feel you can do better with investments. People certainly do that. But dont make the mistake of thinking that because you have taken a loan that somehow youre not losing value in the car with depreciation every day. 