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I don’t get the first point. If you can afford a BMW, $80 a year is nothing. Why do I care if it costs $80 a year instead of say $700 up front?



Pay $700 upfront and that value translates into the used market when you sell the car. Subscription fee, and that money goes straight to BMW Corporate.


Invest the $620 difference and you cover the $80 annual payments for quite some time. (Per cFIREsim, 50% of the time, it covers 12 years of payments.)


BMWs just aren’t very good cars. Do research on reliability metrics across brands. If you want a car in the BMW range probably just get a Lexus or a Mercedes.




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