<prompt> Human: Im very debt-adverse, a by-product of being fortunate to never fall into debt and frugal Asian parents. My income is such that I can easily afford monthly payments. My liquid cash is currently 30k but lets say I can raise up to 45k before Im ready to buy in about 6 months. I want to buy new so I can get exactly the car I want and I plan to keep it for 10 years. What makes more financial sense? Pay cash and remain debt free? Or take out a loan and invest in a fund that earns more than the loan interest rate?Edit: Thanks everyone for the great advice! I should clarify my situation in case anyone else has feedback. I recently bought a house and we are very financially stable. Debt to income is about 3070 right now. I have a separate emergency savings and I max my Roth and 401k. So buying a car wont deplete my savings. This will be my first time buying new. I appreciate all the advice to buy used but I have a specific make and model in mind so buying used isnt necessarily a good deal for me. Thanks again everyone!  <response>: If playing the game gets you a bonus rebate or something as others have talked about, go for it if its not too much hassle. But beyond that, paying with cash is the way to go. You, as a risk adverse person, would most likely never think about taking a title loan on a paid off car to use the money to bet on the stock market. And choosing to take on a loan when you have a car fund is functionally the exact same thing. 