05-20-2015, 01:14 AM
Well why did you start your DGI portfolio in the first place? For most people it's for the extra income, retirement planning etc. In that case, why on earth would you touch it for a new car?? Makes no sense.
I think it's pretty obvious to leave the portfolio untouched. Then the choice becomes.
a) Get a loan and buy the car now.
b) Save up $xxx per month on a separate account and use that to buy a new car later on.
And that really is up to you. Of course option B makes more financial sense but life isn't all about the $$$ and debt is cheap nowadays so if you feel like you want/need a new car right now then option A definitely isn't a bad way to go.
I think it's pretty obvious to leave the portfolio untouched. Then the choice becomes.
a) Get a loan and buy the car now.
b) Save up $xxx per month on a separate account and use that to buy a new car later on.
And that really is up to you. Of course option B makes more financial sense but life isn't all about the $$$ and debt is cheap nowadays so if you feel like you want/need a new car right now then option A definitely isn't a bad way to go.