^^^
Generally speaking you should NEVER put even a single dollar down as a cap cost reduction. But, if you're 1000000% positive you're going to buy it at lease end, then, I guess..?

 

they told us the buy out would be at 54% of sticker cost, I decided it was too risking to lease for 3.5 years and then have to turn around and pay 40K ish for a vehicle that might not be worth that.

 

Oh, hey, sorry I wasn't soliciting advice here. This will be our 10th new vehicle over more years than I care to admit so I know all the pros/cons to each. We had to cash out on a mutual fund that when end of life earlier this year but since we could not (tax free) roll it over into an IRA, which I'm still PO'd about, we had to pay taxes and are just sitting on the proceeds until after the Disco gets here. If conditions are right where reinvesting it will likely yield a higher return than payments or lease on the Disco then we'll do that. If not, we'll just buy it. My health isn't very good though, so it would be handy if I croak in the next 3 years 15,000mi/yr for the wife to be able to just walk in and toss them the keys when the lease is up plus there is always the security if the Disco is a problem child making resale difficult or money losing. And then weigh that against whatever the available APRs are for loans when the Disco gets here?

I just want it to get here, without some temper tantrum tariff attached, and as ordered . . .