Travis (who forked my model to create the cash flow model) and I chatted about this. It's primarily due to the effect of time value on money, when you finance

Travis (who forked my model to create the cash flow model) and I chatted about this. It's primarily due to the effect of time value on money, when you finance the car. If you were to purchase the car outright, you would want to use the 1st tab; vs. financing, the 2nd tab.