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i want to get the new honda civic is it smarter to buy or lease a car in this market you want to know the best choice financially right yeah thats why i follow you using these assumptions buying your car come with monthly payments of 768 for a total cost over three years of just under 30k using these assumptions at least in your car come with monthly payments of 402 for a cost over three years of 15 and a half k but buying out your car from your lease would cost another 17 and a half k so your total lease to own cost would be about 33k so if i want lower monthly payments and to keep driving newer cars a leasing is the way to go yeah but if you eventually dont want to have monthly payments and want to own the asset that is your car buying is the way to go