...

Regardless, I would be curious to see a spreadsheet showing the overall cost of paying the loan at 3.4% while investing in tax-deferred accounts (likely 28% tax in this case), vs paying the vehicle off and delaying investments until that was complete.

don't forget to factor the depreciation over time as well. **The depreciation will outweigh any other math calculations**, including the ridiculous 3.4% auto loan that you justify.

It's your life, if you want to pay that steep penalty for a car, go for it.

Since you are more interested in standing on your soapbox while preaching your superiority to everyone else, I will do you a favor and provide the information you did not bother to read from my post.

'98 Toyota Corolla, paid $3k, drove for a few years and gifted to a family member

'86 Toyota MR2, paid $1k, drove for 3 years, sold for $1500

'98 Toyota Tacoma, paid $5k, drove for 3 years, frame rusted out and Toyota bought it back for $12,194.50

'91 Toyota MR2 Turbo, paid $7k, spent a lot on, still have 6.5 years later (this is my toy, 260k+ miles).

'91 Toyota MR2 Turbo w/blown motor, paid $1k, didn't have time for the project, sold for $1200

'05 Toyota Tundra, bought 3 years old with 36k for $15,995, sold 3 years later for $13k (could have had $15,500 but I made a bad call on the sale, thought I could get more at the time as book was $19k)

'04 Subaru Forester XT, paid $7394, was a toy for ~18 months (performance parts installed which added some to the cost), sold for $8200

'02 Suzuki SV650, paid $500 (needed significant motor work, which I did myself, and paint, done by a buddy for a fair price), sold a couple of years later for $2100

'91 Toyota MR2 project, paid $1500, didn't have time for the project, sold for $1500 (after finding $150 Toyota shop manuals inside..score!!)

'04 Cadillac CTS-V, paid $12k, drove for 2.5 years, sold for $13k

'99 Tacoma, paid $4500, drove for 2.5 years, sold for $5500. 282k miles.

'97 Lexus LX450, my trail/expedition rig, paid $7200, drove for a year, sold for $7500. 213k miles.

As an automotive enthusiast, I find my "depreciation" to be acceptable in exchange for enjoying a hobby that I love.

Presenting your point is fine - I understand. However, in the process, don't completely disregard the information provided by the person with which you are having a discussion.