as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
finance car with or with out a balloon payment
user
that interest rate (13%) is steep, and the balloon payment will have him paying more interest longer. investing the difference is a risky proposition because past performance of an investment is no guarantee of future performance. is taking that risk worth netting 2%? not for me, but you must answer that last question for yourself. to your edit: how disruptive would losing the car and/or getting negative marks on your credit be? if you can quantify that in dollars then you have your answer.
assistant