<prompt> Human: Just wondering. Seems like buying a car outright and then.saving 300-400 a month towards your next one makes more sense than doing s down payment and spending the same amount each month on your current car  <response>: That assumes you have sufficient cash to purchase it up front. This is the main barrier to paying cash. It can also be beneficial to finance a car at low rates and invest the money you would have paid for the car with. 