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Martis with us in New York hey Marty welcome to the Dave Ramsey show hey Dave how are you better than I deserve whats up Im gonna show been binging on your podcast for a couple weeks Ive been lovin it okay um I have a quick question for you um should i my lease is on my car is up this month the hotel shy lease a car or should I buy a reliable used car but so these payments for the car would be relatively cheap its not you know not a BMW you know like a $200 all everything you know roll Ventura no no fees do at the beginning at the signing Johnson what would you do III really appreciate you calling and asking the question is because its a great question thats on the top of a lot of peoples minds so heres the thing leasing a car is an alternative form of financing a car so if we were to take the actual lease payments on the average lease in your case $200 right and you were to take the buyout at the end of the lease those are the two financial numbers you would need to put into