<prompt> Human: I am 25 years old and I think about getting a new car some time this year. The car will cost me about 20k plus the money I get for my current car.I have about 20k in stocks, 30k in crypto and 50k cash. Additionally I currently put about 800 each month into my savings. I will probably put most of the 50k in some ETFs soon.So I can easily afford the car right now, but the idea is to loan the money from the bank interests on credits are currently super low in Germany, so I can leave that money in stocksETFs, where it will make me more money than I pay for the interests.A workmate told me thats what most people do nowadays, but I just dont like the idea of always having to pay off the interests.  <response>: The basic question is -- what is the best use of your capital?You have capital, so you have choices. Is it best to put 20k of it into a depreciating asset like a car, whose value will sink to 10k, then 5k? Or is it better to invest that 20k and turn it into 40k?The answer hinges on the interest rate you can use to finance the car. If you can borrow at a rate lower than you will earn by sinking your 20k into ETFs, etc., it makes sense to borrow. Example: if your car loan is charged at 4, but you can earn 6 on ETFs, you will make enough investment profit to pay for the rent on your car loan money, with some left over. Your capital is working harder for you than if you had paid cash.Do not listen to people who advise against debt no matter what the situation. Every situation is different. The best path to a high net worth is NOT to forswear debt -- debt is precisely how companies and individuals acquire property that appreciates. The thing you always want to keep in mind is: what is the best use of my capital? How can I control more assets with judicious use of the capital Ive got? If you can borrow cheaply, and invest elsewhere to make more than the interest costs you, the answer in your case is to finance. 