Depreciation curves aren’t linear. At $20,000 which is the list price of the car (which is almost certainly overstating it) you’re depreciating the car to zero

Depreciation curves aren’t linear. At $20,000 which is the list price of the car (which is almost certainly overstating it) you’re depreciating the car to zero after two years. Even a beat to shit two year old car isn’t worth zero.