@wizardryfinance: 1. In this example, your UK average £432/month car payment costs £3,714,000. Not in payments. In what that money could have become. 2. Average UK PCP payment: £432/month. Over £40 billion of UK consumer money sits in PCP finance right now. 3. A car you drive for 3 years. Then hand back. Then do it again. On an asset that depreciates 50-60% while you hold it. 4. You never own it. No equity. No asset at the end. Just 3 years of monthly payments and a handback. £432/month invested for 32 years. At 16% average annual return. Let the calculator run. This equates to £3,714,000. That is the price of the car choice. Not the payments. The compounded opportunity cost. 5. Sensible secondhand car: £0/month commitment. £432 invested instead. 32 years. £3.71 million. The car gets you from A to B. The investment compounds forever. 6. THE FIX Buy used. Invest the difference. A car gets you from A to B regardless of the badge. An investment compounds for 32 years. Choose accordingly. 7. Save this. Send it to someone who needs to see it. Follow @FinanceWizardry for more Scam Files. #finance #PersonalFinance #investment

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Friday 13 March 2026 19:24:19 GMT