Tesla Model Y: 할부, 감가상각 및 도로 주행 고려 사항

테슬라 모델 Y의 0.9% 이자율과 같은 매력적인 금융 옵션에도 불구하고 여전히 현금 결제는 고급 자동차를 구매하는 데 가장 선호되는 방법입니다.

### 연이율 0.99%의 테슬라 모델 Y 할부금융의 장단점
* 🚗 " 미친 엘론" 머스크는 판매량을 늘리고 재고를 줄이기 위해 **Tesla Model Y에 0.99%의 이자율 혜택**을 제공합니다.
* 💰 낮은 이자율에도 불구하고 **Teslas의 감가상각으로 인해 3년 이내에 차량을 상환**하는 것이 좋습니다.
* 💸 할 수 있다고 해서 고급 자동차를 **할부로 구입해야 한다는 의미는 아니며, 일반적으로 차량은 현금 결제가 선호**됩니다.
* 🛣 테슬라는 **주 단위로 사용하기에 적합**하며, **기름을 절약**할 수 있고 **오일 교환이 필요 없습니다**.
* 🔋 테슬라의 주행 거리는 3~4시간인 **"헤일로" 이상**으로 제한되어 있기 때문에 도로 여행 물류는 중요한 고려 사항입니다.
* 🔒 다른 저축, 다른 투자에 방해가 되지 않는다면 **아무리 매력적이라도 현금으로 지불**할 것 같습니다.
* 🔄 " 어떤 이유에서인지 이상한 사이즈의 타이어를 장착해서 **타이어가 회전하는 것**을 알 수 있는데, 그게 마음에 드는지는 모르겠습니다.

[Music] Martis Lander's question is up next. It says, What are your thoughts on breaking the rule of paying in cash for a luxury car, such as perhaps with a 0.99% APY deal for the Tesla Model Y? If you could see how many comments questions on the stinking Tesla thing on the stinking Tesla thing. Well, first thing you got to answer is this Tesla luxury vehicle, right? Like that, oh, you got to answer that is Tesla luxury. Well, this is specifically the Model Y, right? Ah, it's hard with um, we've even done, we did, we did a show on that, and I think we were right there as in a gray zone because with the tax credits and then the pricing that Elon, wild and crazy Elon with his pricing schemes to try to move inventory. And look, I'm not super shocked by this. This is a one-off. We have my favorite Mexican restaurant is by the parking lot that they park all the Teslas, and I kid you not, there was a two-e period where I was like, Oh my...

goodness, do you see how many Model Ys are just building up in that parking lot? I was like, this can't be healthy. Um, obviously, they've got this machine, you know, the board is putting out all of these Teslas, but yet there's not enough people buying them. So crazy Elon does a 0.9% interest rate, and I will tell you when I ate Mexican last week, um, there's a lot less Model Ys in that parking lot. So, I think there's a lot of people doing looking at it. I look, I, I still think even if they give you 0.9% for longer than 3 years, you pay the car off within 3 years, um, but because it's, it's just, and then Tesla, especially specifically the Model Y, um, the Model 3 and the Y could probably make, we've even done the math on it, make a case for it. It, it does, it's no different than a Toyota, you know, C or Honda Accord. It's really the, the now, the

Cybertruck, the X, and the S's that kind of really fall into the luxury price because they've been so aggressive with the pricing. But um, I'll give you, you, you, you still can't go beyond 3 years. I mean, I think even if they give you four years, 5 years at 0.9%, pay that car off because I want you to feel the squeeze of this thing is depreciating, especially a Tesla. I will tell you, they used to hold up, but because of all this pricing that's going on, um, there's a lot of depreciation wash that's going to come over that car, um, that you just need to be prepared for. You know, my thought is just because you can doesn't mean that you should. Like how many times are you checking out Brian and uh, like you're online and you're checking out and you'll be like, hey, for four easy payments you can buy now, pay later. You can buy now, pay later. And I do the math and I'm like, oh wait, there's no interest charged here, right?

could I can just make four equal payments over the next four months instead of paying for it now. Well, time value of money would suggest that I should take advantage of every single buy now, pay later opportunity and leave that cash. You would never do that just because you can and just because you can get your head to wrap on the math doesn't mean that that's something that you ought to pursue. I will tell you if I personally where I'm at right now in my journey, if I were in the market looking for a Tesla, even with Elon putting this rate out there, I still think if I, if it's, if it's, if it's not going to impede my other savings, my other investing, I still think I'm going to pay cash for it even with as attractive as it is. Well, cash is preferred on all vehicles, they depreciate too much. So I mean I, I agree with you and our research with our wealth survey we do on our clients now we know 'cause we've added the question over the last two years is did you pay

cash for your first car most say no. They just like me, they had to finance. So that's what 238 is supposed to be, that bridge to get you to reliable transportation. But if you want to know what the default is and it's what I use, it's what you use, and what our clients do, paying cash is still the preferred and better way to do it. So, I mean, I'm always going to fall on the fact that pay cash is the choice and reliable transportation. And I don't know that I want a 22y old, 23y old thinking, you know, what my first car ought to be is, well, just because of, I mean, you know, there are road trip issues with, you know, I know when I and I take mine, like down to Georgia, but it's just, it's your ban of with, you got to be logistical when you do that though. If I was going to Florida, I would probably use my wife's car more than I'd use mine. Now Georgia, I figured out how I

can go to bies on one charge charge up while I'm getting my my brisket sandwich, and then I'm good to go. So it has a now a 4our halo around it, and I thought when the Cyber truck came out and it was going to be a 450 mile range. Now that Halo would go to the six or seven hours that you typically see. Nobody wants to do road trips much longer than that anyway, but but we're stuck in this where you really you need a vehicle that that that goes beyond the 3 to 4 Hour Halo on road trips mhm. But by the way weekly cuz I want to make sure my Tesla people know I still love them because I'm one of them on the weekly. I love not having to go to Costco like I do about every other week for my wife's car to save the 50 60 cents a gallon um. I don't have to do that cuz I just plug my car in, you know, twice a week, and and it charges while

I'm sleeping, so it does have benefits on your weekly, which is probably more of a time saver. No oil change than and no oil changes um. For some reason, they put weird size tires, so you know tire rotation, which I don't know if I like that though. You do you don't like, you don't rotate the tire well, you don't get to rotate 'cause you put different sizes on the front and back um. So you just let them wear out.

Can I Break the Cash Rule for a 0.99% APY Deal on a Tesla Model Y?

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테슬라 모델 Y 파이낸싱을 둘러싼 논쟁

99%의 낮은 연이율에도 불구하고 일부 사람들은 할부를 이용해 Tesla Model Y를 구매하는 것에 대해 의문을 제기하고 있습니다.

주차장에 모델 Y의 재고가 많다는 것은 이 차량에 대한 수요가 예상보다 낮을 수 있음을 시사합니다.

Model Y가 진정한 럭셔리 차량인지, 그리고 이 차량에 자금을 조달하는 것이 재정적으로 합당한지에 대한 논쟁이 있습니다.

테슬라의 공격적인 가격 전략이 미치는 영향

Tesla의 공격적인 가격 책정은 상당한 감가상각으로 이어질 수 있으므로 구매하기 전에 재정적 영향을 고려하는 것이 중요합니다.

"지금 구매하고 나중에 지불하는" 옵션은 돈의 시간 가치로 인해 재정적으로 유리할 수 있지만 저축과 투자에 우선순위를 두는 것이 필수적입니다.

Tesla가 제공하는 매력적인 할부 금리에도 불구하고 차량 감가상각을 완화하기 위해서는 현금을 지불하는 것이 여전히 선호됩니다.

첫 번째 차량은 현금으로 결제하는 것이 안정적인 운송을 보장하기 위해 선호되는 더 좋은 방법입니다.

도로 여행 물류와 전기 자동차의 편의성은 차량을 선택할 때 고려해야 할 중요한 요소입니다.

전기 자동차의 장점에도 불구하고 장거리 여행에는 여전히 주행 거리가 긴 차량이 필요합니다.

타이어 교체 생략이 미치는 영향

타이어 교체를 생략하면 특히 오일 교환이 필요 없기 때문에 시간을 절약할 수 있습니다.

하지만 크기가 다른 타이어를 사용하면 회전이 제대로 이루어지지 않아 마모가 고르지 않게 되므로 단점이 될 수 있습니다.