{"id":598,"date":"2021-04-07T10:30:00","date_gmt":"2021-04-07T10:30:00","guid":{"rendered":"https:\/\/moneywithkatie.com\/why-leasing-a-car-is-like-setting-money-on-fire\/"},"modified":"2025-08-29T16:33:13","modified_gmt":"2025-08-29T16:33:13","slug":"why-leasing-a-car-is-like-setting-money-on-fire","status":"publish","type":"post","link":"https:\/\/moneywithkatie.com\/why-leasing-a-car-is-like-setting-money-on-fire\/","title":{"rendered":"Why Leasing a Car is Like Setting Money on Fire [2025]"},"content":{"rendered":"

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2025 Update<\/strong>: In 2022, we invited a pro-leasing guest on the show to discuss how, when, and why<\/a> leasing a vehicle might make sense. Enjoy!<\/p>\n<\/div>\n

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Because I spent the morning getting my car appraised at CarMax like the good money blogger I am, it felt like the perfect day to sit down and write this post. <\/p>\n

I get asked about leasing a car probably once a week, and it still surprises me that so many people opt to rent a depreciating asset \u2013 it\u2019s one of those things where I think we (read: Americans<\/em>) have a fundamentally distorted understanding of just how bad it is for us. (Coming from the people who invented the Baconator and all-you-can-eat shrimp at Popeyes? Shock and awe!)<\/p>\n

Sure, buying<\/em> a depreciating asset isn\u2019t much better, but we\u2019ll circle back to that shortly.<\/p>\n

For the record, I used to have a lease \u2013 and when my lease was up, I bought a used Audi A3 and chronicled the experience<\/a> of marching into car dealerships and negotiating with grown men by myself. It was time-consuming and stressful. <\/p>\n

Today, less than a year later, I\u2019m selling that car so we can be a one-car family \u2013 not because I don\u2019t love the car, but because I realized that I had no idea what was in store for me over the next 12 months when I bought it this time last year. <\/p>\n

Beyond that, I noticed in my 2020 annual spending report (yes, that\u2019s really a thing that I do \u2013 I call myself CFO of Money with Katie for a reason) that I had spent nearly $6,000 over the course of the year on my car: the payments, the insurance, the gas, the maintenance \u2013 shit really added up, and I didn\u2019t feel like I got $6,000 worth of value from the vehicle that sat mostly unused as I worked in my living room to make the $6,000 that paid for it. <\/p>\n

I bought the car as a 20-something who figured she\u2019d spend the next 10 years of her life driving to and from work every day in sunny Dallas, Texas.<\/p>\n

I\u2019m selling the car today as a 20-something who\u2019s moving to snowy Colorado in a month to work from home and live in a town that\u2019s almost entirely navigable by bike.<\/p>\n

It no longer makes sense for me to own a car, let alone a spunky red jellybean with front-wheel drive. <\/p>\n

But what if it does<\/em> make sense for you to have a car? For most Americans with a commute that can\u2019t be made by foot or public transit, a car is a necessity \u2013 so how did we get it so wrong?<\/p>\n

I\u2019ve written about why cars are such a drain on us financially<\/a> in the past (usually, it\u2019s the most expensive thing we buy besides a home, and we treat the decision as if it\u2019s inevitable; then, the expensive hunk of metal has the audacity to rapidly lose all of its value over the next 10-15 years). But sure, let\u2019s patronize Chevy Truck Month! <\/p>\n

Today, I want to talk about why leasing specifically<\/strong> is so horrific financially. <\/p>\n

Let\u2019s revisit the whole \u201cdepreciating asset\u201d thing<\/h4>\n

\u201cDepreciating asset\u201d is code for \u201cexpensive thing that eventually becomes worthless over time.\u201d <\/p>\n

Cars are about as \u201cdepreciating asset-y\u201d as it gets.<\/p>\n

You\u2019ve probably heard the phrase, \u201cA car starts losing value the moment you drive it off the lot,\u201d but I want to pull in some anecdotal evidence of this to make it real with regards to leasing.<\/p>\n

When I bought my car in 2020 (the same one I got appraised to sell today), I paid $19,500 for it \u2013 the MSRP new? $36,000. <\/p>\n

The car was three years old, and its previous \u201cowner\u201d was a woman who leased the vehicle brand new. That means she made payments on a car that was \u201cvalued\u201d at $36,000, and just three years later, it was worth less than $20,000. In the first three years, it had lost nearly half its retail value.<\/p>\n

If she put $1,000 down for a lease on a $36,000 car and got a lending rate of 2%, that means her monthly lease payment was likely around $500 for three years. The person who leased my car before I bought it likely spent:<\/p>\n

$1,000 down<\/p>\n

$500\/mo. for three years, or $18,000<\/p>\n

= $19,000 total for the pleasure of renting a car that I purchased for indefinite use just three years later for $19,500<\/p>\n

While this example might be a little <\/em>extreme (since it depends a lot on what the car\u2019s \u201cagreed upon\u201d value was at the end of her lease term), we can make some assumptions based on the fact they sold it to me for $19,500. <\/p>\n

You can picture a depreciation curve a little bit like this: <\/p>\n<\/div>\n

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When you lease a car, you\u2019re paying for the steepest depreciation hit \u2013 and then giving it back. <\/p>\n

You\u2019ll notice around year 10 the value of the car starts to bottom out a little bit; this is why, if you\u2019re going to buy a car, buying a car that\u2019s a few years old and will last at least 10 more is one of the best ways to mitigate the utter thrashing you\u2019ll take by buying it new or leasing it. <\/p>\n

But look, I get it<\/h4>\n

I do! I\u2019m not going to sit here and tell you that it\u2019s easy to buy a 14-year-old used Honda Accord for $5,000 cash and move on with your life, especially if you work hard and make a lot of money. There\u2019s that sneaky, \u201cI work so hard, and spend so much time in my car!\u201d feeling that I know most of us are familiar with (especially if you work in an office) that pairs with the intoxicating scent of new car smell on the showroom floor and \u2013 when they throw that low lease rate at you \u2013 it\u2019s easy to get swept up in \u2018how you\u2019re getting such a great deal!\u2019<\/p>\n

The trick almost worked on me when I went to turn in my leased Acura RDX. They had me sit in a new one, \u201cjust to look at the features,\u201d and for a split second, I almost caved. But then I remembered my goals. <\/strong><\/p>\n

We often justify spending a lot of money on a car (or leasing a nicer one than we can afford) because we work hard or have a long commute \u2013 but when you rent or buy a depreciating asset that\u2019s more expensive than necessary, you\u2019re guaranteeing that you have to work longer<\/em><\/strong>. You have to commute MORE<\/strong>, because now you have<\/strong> to pay for your expensive depreciating asset!<\/p>\n

The worst part, maybe, is that at the end, you don\u2019t even get to keep it<\/strong> \u2013 you pay for an asset during its most rapid depreciation phase, then give it back. Cars can be a slightly less horrible use of money if you\u2019re able to pay your car off and drive it for many years without a car payment, but leasing is the exact opposite of that approach: You rent it at its most expensive, then give it back and move on. <\/p>\n

(You might be wondering about the difference between renting a home and renting a car: The difference, really, is that buying a home entails a lot of not-insignificant costs beyond that of renting, which can make the \u2018rent vs. buy\u2019 equation<\/a> more complicated. Cars, on the other hand, aren\u2019t cheaper to lease than to outright buy in the long run, because there aren\u2019t loads of other costs associated with owning a car that aren\u2019t associated with leasing one, as with home ownership where you\u2019re paying taxes, insurance, and maintenance fees year over year that renters don\u2019t pay.)<\/p>\n

I broke down the true cost of car ownership in the post Why You Need to Sell Your Car \u2013 Maybe<\/a> (and feel pretty good that I\u2019m actually taking my own advice now). To spare you the reading time, buying a cheap car outright and driving it into the ground for 10 years (and investing your would-be $500 car payment) nets you an extra $750,000 by the time you\u2019re 55. That\u2019s just ten years<\/strong> of foregoing the fancy lease. <\/p>\n

Remember, you can leave traditional work once your investments = 25x your annual expenses<\/h4>\n

If you\u2019re paying for a car (let\u2019s say it\u2019s a $500 per month payment and $150 per month in insurance), you\u2019re paying $7,800 per year for your car. In order to keep up that habit forever (leasing a car that\u2019s $500 per month), you\u2019d need to have an additional $195,000 invested to retire ($7,800 * 25). <\/p>\n

So not only does it slow you down on your journey to freedom thanks to the opportunity cost of your payments, but it actually moves your target further away<\/em>. <\/p>\n

It kinda makes \u201cI work hard\u201d a silly reason to lease (or buy) a fancy car \u2013 since it guarantees<\/em> you\u2019ll have to keep<\/em> working hard.<\/p>\n

It\u2019s like that meme: \u201cI drive in my expensive car to my job that I have to work in order to afford the expensive car so that the home I just bought can sit empty all day while I work to make the payments on it.\u201d Shit is so BACKWARDS when you think about it. <\/p>\n

The breakdown of a better way<\/h4>\n

Better might be subjective, but my definition of \u201cbetter\u201d is simply less financially wasteful:<\/p>\n

    \n
  • \n

    The best<\/strong>: Structure your life in such a way that you either don\u2019t need a car, or can get away with having one car for the family. While it\u2019s certainly not easy due to the way most American cities are structured, if you\u2019re able to live in walking or biking distance to your work and the other places you go, it might actually be doable \u2013 especially in the age of remote work. Even dropping from two cars to one can be a huge improvement financially, without disrupting your daily life all that much. Most cars sit parked and unused for 90% of the time you own them anyway. <\/p>\n<\/li>\n

  • \n

    The better<\/strong>: Buy a used Toyota or Honda (car brands known for lasting at least 200,000 miles and requiring very few, inexpensive repairs) or, if you\u2019re going the luxury route, a three-year-old Certified Pre-Owned vehicle outright without taking out a loan (or taking out a small loan, if you can get a really low interest rate). <\/p>\n<\/li>\n

  • \n

    The meh<\/strong>: Buying a used [insert any other type of car here] and taking out a big loan (read: what I did with the Audi, buying an expensive German car that was cheaper because it was three years old and taking out a loan for $16,000 to pay for it over time). <\/p>\n<\/li>\n

  • \n

    The worse<\/strong>: Buying a new car of \u2026 really any kind, since new cars are just inherently terrible values. <\/p>\n<\/li>\n

  • \n

    The worst<\/strong>: Leasing a new car of \u2026 really any kind, since leases mean you\u2019re renting a depreciating asset and paying for it during its most quickly depreciating years.<\/p>\n<\/li>\n<\/ul>\n

    Coming from someone who jumped from doing \u201cthe worst\u201d to \u201cthe meh\u201d and will now be cruising into \u201cthe better\u201d or \u201cbest,\u201d I can tell you I already feel infinitely more relief knowing I\u2019ll no longer be on the hook for a vehicle. Cars are stressful. The tires get nails in them, the oil has to be changed, insurance has to be renewed, the check engine light comes on\u2026 the list goes on. It\u2019s a headache, and I\u2019m thrilled to be in a position where I may get to be car-less for a few years. <\/p>\n

    And at least owning an inexpensive<\/em> car means those headaches are slightly less expensive. I got a dent in my rear passenger-side door and I took it to the shop for an estimate \u2013 \u201cOh, $4,000. Minimum. You need a new door, and we need to have it shipped in from Germany. Then we have to repaint the entire right side of the car. Oh, and\u2026\u201d I feel like a Honda dealership would\u2019ve just popped out the dent and sent me on my way. <\/p>\n

    I know it worked out well that I won\u2019t need a car where I\u2019m moving, but that was somewhat by design: We visited the town, figured out where our most likely \u201cfrequent spots\u201d will be, and applied for homes and townhomes that were in biking distance. Remote work is easier to find than ever now, so if you work in an office and don\u2019t want to, consider that you aren\u2019t necessarily stuck unless your job requires you to be there in-person and there\u2019s absolutely no chance of you applying for and getting remote work elsewhere.<\/p>\n

    Final thoughts<\/h4>\n

    Sometimes our lifestyles require us to have a car \u2013 there\u2019s just no way around it, and that\u2019s okay. But the type<\/em> of car you buy and the way<\/em> in which you buy it can make a humongous difference over the long term, to the tune of shaving years off your retirement timeline and buying back your freedom. <\/p>\n

    It\u2019s not about always making the perfect decision and denying yourself luxuries at every turn \u2013 it\u2019s just about making a slightly<\/em> better choice that has outsized rewards as it compounds over time. And more than that, it\u2019s about recognizing that the type of car you drive truly<\/em> has so little bearing on your happiness, even <\/em>if you spend a decent amount of time in it. <\/p>\n

    As long as it gets you where you\u2019re going safely and moderately comfortably, you probably won\u2019t get an extra $20,000 of value for leasing a car that\u2019s worth $20,000 more than the one you can actually afford. <\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

    2025 Update: In 2022, we invited a pro-leasing guest on the show to discuss how, when, and why leasing a vehicle might make sense. Enjoy! Because I spent the morning getting my car appraised at CarMax like the good money blogger I am, it felt like the perfect day to sit down and write this […]<\/p>\n","protected":false},"author":178814,"featured_media":2451,"comment_status":"closed","ping_status":"open","sticky":false,"template":"si-template-single-post-big-purchases-cars-and-houses.php","format":"standard","meta":{"footnotes":""},"categories":[37,36],"tags":[43,58],"class_list":["post-598","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-independence","category-spending-and-saving","tag-big-purchases-cars-and-houses","tag-popular-big-purchases-cars-and-houses"],"yoast_head":"\nWhy Leasing a Car is Like Setting Money on Fire [2025] - Money with Katie<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/moneywithkatie.com\/why-leasing-a-car-is-like-setting-money-on-fire\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why Leasing a Car is Like Setting Money on Fire [2025] - Money with Katie\" \/>\n<meta property=\"og:description\" content=\"2025 Update: In 2022, we invited a pro-leasing guest on the show to discuss how, when, and why leasing a vehicle might make sense. 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