OK, this may work for people who already had tens of thousands saved and who make a successful investment. But most people do not do this. Most people just finance according to whatever payment they can afford, even if it costs them way more than the car is worth. Most people with really expensive cars are fronting and are not as rich as their car makes them seem, which I guess is part of the appeal of an expensive car. I love cars so I understand the appeal of nice cars, but I also love not being broke. A lot of people who make a lot of money still basically live paycheck to paycheck because their spending level matches or exceeds their income.
Also, if their are other "faux Sue Ormans" who post here, can you give me their names? I would like to talk to people who are about saving and investing instead of spending money on stuff that doesn't make sense.