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Section A: General News


Buy it or turn it in?




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Dave Ramsey
Financial Straight-Talk
September 19, 2012 | 1,264 views | Post a comment

Dear Dave,

I made the mistake of leasing a car a while back, and the lease is up in about nine months. Should I save up the money between now and then to buy it, or save as much as I can to pay down my student loans?

Aaron

Dear Aaron,

At the end of a lease, the price for which you can purchase the car is called the residual value. This amount is preset when you lease the vehicle. So the big question right now is, what’s the car actually worth?

If the company thought it would be worth $12,000 and it’s actually worth $14,000, that would be a good deal, and you’d want to buy it instead of turning in the car. Even if you were going to turn around and resell it, you’d still want to go ahead and buy. Another big thing is that I’d never tell you to finance a car after the lease term. There’s no difference between that and walking onto a car lot and financing any other $12,000 car.

Look at it this way. You basically have a $12,000 car loan right now, and you’d only be changing the format from leasing to payments if you financed the thing. Should you keep this vehicle? Only if it’s a small percentage of your income. If you make $60,000 or more, I’d probably say save up, pay cash, and keep the car. But if you’re making closer to $30,000 the answer is no.

Dear Dave,

I’m dating a man who is really exciting and fun, but he has well over $100,000 in debt. He has nice cars, a boat, and he travels a lot, and he does it all on credit. He wants us to get married, but his view of money worries me. What should I do?

Vickie

Dear Vickie,

The fact that you’re worried about this situation means you realize that fun and exciting don’t necessarily translate into being wise. I’m sure he’s a nice guy, but your concern tells me that you two are from completely different planets when it comes to handling money. And that can be a death knell to a marriage.

Disagreements over money and finances are the No. 1 cause of marital strife and divorce in North America today. Fighting over debt and the stress brought on by financial problems will take a heavy toll on any relationship. When you’re not on the same page with how to handle your money, you’re not on the same page of life. How you spend your money says volumes about who you are, where your values lie, and what’s important to you.

This guy is fun because he’s impulsive and has a lot of toys. But the fact that he’s gone into debt for this lifestyle also means he’s a little boy and not a responsible man. And unless you guys can get on the same page with how money is handled, I would strongly advise not going forward with a wedding.

For this to get serious and turn into marriage material, one of you will have to change. Either he’ll have to straighten up and start behaving wisely with money, or you’ll have to agree to enjoy living deeply in debt.

Dave Ramsey is a best-selling author of The Total Money Makeover and the nationally syndicated host of “The Dave Ramsey Show,” which airs locally on radio station 550 KTSA. View column archives at www.daveramsey.org. Questioners’ identities have not been verified by the Dave $ays column or this newspaper.
 

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