And don't forget that the $10k car can be sold for $4-5k in three years so your net outlay would be closer to $150/mo. Also, it is quite possible that the 600/

And don't forget that the $10k car can be sold for $4-5k in three years so your net outlay would be closer to $150/mo. Also, it is quite possible that the 600/mo is a three year lease on a new Mercedes/BMW so at the end of the term you don't even own the car.