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CVS Representative
This is an iHeart podcast. Guaranteed Human.
Commercial Narrator
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Cosentyx Medication Information
Cosentyx Secukenumab is prescribed for people 2 years of age and older with active psoriasis. Psoriatic arthritis don't use if you're allergic to Cosentyx. Before starting, get checked for tuberculosis. An increased risk of infections and lowered ability to fight them may occur like tuberculosis or other serious bacterial, fungal or viral infections. Some were fatal. Tell your doctor if you have an infection or symptoms like fevers, sweats, chills, muscle aches or cough had a vaccine or plan to or if inflammatory bowel disease symptoms develop or worsen serious allergic reactions and severe eczema like skin reactions may occur. Learn more at 1-844-cosentix or cosentyx.com Ask.
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Your rheumatologist about Cosentyx.
Everytown for Gun Safety Spokesperson
You don't just hope for change, you make it happen. Because you know that behind every statistic is a story. A child, a family, a future. Gun violence is now the number one cause of death for children and teens in America. At Everytown for Gun Safety Action Fund. That's a statistic we're working to change. With the support of donors like you, we've built the largest gun violence prevention movement in the country. Nearly 11 million Americans strong. Your generosity fuels real progress. Hundreds of life saving laws passed at the local, state and federal levels. A national network of survivors, students and moms, empowered, trained and mobilized. This isn't just charity. It's an investment in safer schools, stronger communities and a future where every child can grow up free from gun violence. As we prepare for the year ahead, we need you with us. Through December 31st, your gift will be triple matched three times. The impact to save lives, go to everytown.org and make your triple match donation today.
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Frank (Podcast Host)
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The.
Car Leasing/Buying Expert
Difference Between Leasing and Buying a Car what are some key differences in leasing a car and buying a car?
Car Financing Specialist
Well, on a lease, most people. You'll hear that a lot. People say, well, you don't own the car, right? But the truth is, do you want to own a vehicle that's going to lose value, Right? Very rarely do cars go up in value, so that's why leasing is so prevalent. So 70, 80% like you said of people lease the vehicles. When you're financing the vehicle, you do. You technically own it, but the bank owns it while you're financing. So until you pay it off, the vehicle still belongs to the bank title. The title's held by the bank. You're not the owner of that vehicle.
Car Leasing/Buying Expert
That's something that's a common misconception. You don't own a car either way until you finally pay it off. And then when you do pay it off, more People want to trade it in.
Car Financing Specialist
They want to trade it in right away.
Frank (Podcast Host)
By the time you own it now, it's old.
Car Leasing/Buying Expert
Exactly. But another thing with the leasing that people don't fully understand for me personally. Right. The reason why at least is that some. A business owner.
Frank (Podcast Host)
Yep.
Car Leasing/Buying Expert
Right. So I get better tax treatment for leasing a car. Exactly. Whereas like with the lease, I could write off the insurance, the gas and the lease payment formula percentage. We won't get too complicated in it. But I can write that off on my taxes. If I own the car, then I could only I have to go by the depreciation. Correct. Because it's an own. I get less of a tax benefit for owning a car. So it's in my benefit to lease the car because it's pretty much a write off for me and I don't have to worry about maintenance. Right. So I never, I haven't gotten, I haven't paid for oil change and I can't remember when because all these, everything is paid for.
Frank (Podcast Host)
And warranties too.
Car Leasing/Buying Expert
Yes. And then I get a new car every three years. So I always sell. Like if you want to. Everybody's personal preference is different. You can't force your views on somebody. Right. Like if you want to keep a car for 10 years, that's your right. You, you can do that. I don't want to do that. I want a new car. So I know it's going to cost me a lot more money to buy a car and then buy a new car every three years as opposed to leasing a car and then getting a new car every three years. And the upfront is less. Yep. Right.
Car Financing Specialist
Yeah, absolutely. Yeah. On a lease you only pay, let's say, the taxes.
Frank (Podcast Host)
Right.
Car Financing Specialist
When you're financing a vehicle, you pay tax on the whole price of the car or on a lease you only pay tax on, let's say the monthly payment, depending on the state and where you're registering the car. Let's say like New York, you're only paying tax on the monthly payment.
Car Leasing/Buying Expert
Right. So I think that that's something that people could. And as far as for me, I don't drive a lot, so 12,000 miles, I never go over 12,000 miles. I usually hit like 11, 10, 5. So it's, it's perfect for me. Yeah, but you were saying even if you do go over 12,000, that's a.
Car Financing Specialist
Big misconception also is a lot of people think that if I drive a lot of mileage I shouldn't be leasing. You know, you hear a lot of people Come in and they say, you know, I do 15, 20,000 miles a year. I shouldn't. You know, leasing is not for me. I think the contrary. It's the way I look at it is when you're leasing a vehicle, even if it's a high mileage lease, you know your true cost of ownership. Like you said with maintenance, right. You know that you're going to have this car three years, you're going to put 15,000 miles a year, you'll have 45,000 miles. Most warranties are, let's say four year, 50,000 mile, bumper to bumper warranty. So you're still covered under your warranty. You see what I mean? So you'll be able to look at it and say, hey, you know what, I know exactly what I'm going to be paying every month for this car as long as I have my lease. Now, when you're financing a car and you're putting high mileage on the car, the two things that lower the value of the car quickest is the amount of mileage you put on it and the condition of the car. So let's say if the vehicle was in an accident. So if I'm leasing my car and someone in that, my next door neighbor's buying their vehicle and they're financing their car in three years, I have a lot more flexibility of what I can do. I don't have to worry about if my car was in an accident or you know, did somebody key my car? Did a garbage truck come down the street and hit my car? Because their value has dropped now. So now you're playing this guessing game of, well, wait a minute, what is my car now worth? And you run into a situation where you finally pay off your car, you put money into the vehicle, trying to fix it, and they turn around and say, hey, your car's worth $6,000. Now the other thing that we talked about was that technology is moving so fast, so things get antiquated quick. So that's why leasing is nice, because in three years, you, you may not need a small sedan right now in three years, your life changes. You have a family, you have kids. Now I want to suv, My lease is up. I come out of the lease, I go into a brand new SUV if.
Frank (Podcast Host)
I want to champion that Honda Accord anymore.
Car Financing Specialist
Exactly.
Car Leasing/Buying Expert
Yeah.
Frank (Podcast Host)
No, it's true. Technology changes. Even like the vehicle I have now, like I saw the 2000, 20, 20 model, I'm like, wait, yeah, that is ridiculous. Like, I need that technology now. So it's like you can just Come in every three years, man. That's, that's a huge benefit in leasing. One of the things that is important when you're leasing or financing is the credit.
Car Financing Specialist
Yep.
Frank (Podcast Host)
How does that work? Is there a specific bureau that car dealerships use? Or the bank? How's it go?
Car Financing Specialist
So it varies between manufacturers. So different banks. So let's say Earnest, what's up?
Frank (Podcast Host)
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You're almost at the finish line, but first. There the last one. Enjoy a Coca Cola for a pause that refreshes.
Frank (Podcast Host)
Hey, I'm Frank and I.
Car Leasing/Buying Expert
Have Hidradenitis Suppurativa HS before starting Cosentyx, I was so uncomfortable with my symptoms, like not being able to sleep on white sheets or wear white clothes. Now I can appreciate the little things.
Cosentyx Medication Information
Cosentix Secukinumab is prescribed for adults with moderate to severe Hidradenitis Suppurativa. Don't use if allergic to Cosentyx. Get checked for TB before starting. Increased risk of infections and lowered ability to fight them may occur like TB or other serious bacterial, fungal or viral infections. Some were fatal. Tell your doctor if you have an infection or symptoms like fevers, sweats, chills, muscle aches or cough, had a vaccine or planned to, or if IBD symptoms develop or worsen. Serious allergic reactions and severe eczema like skin reactions may occur. Learn more at 1-844-cosentyx or cosentyx.com you're stronger than HS.
Car Leasing/Buying Expert
Ask your dermatologist about Cosentyx.
Everytown for Gun Safety Spokesperson
You don't just hope for change, you make it happen. Because you know that behind every statistic is a story. A child, a family, a future. Gun violence is now the number one cause of death for children and teens in America at Everytown for Gun Safety Action Fund. That's a statistic we're working to change. With the support of donors like you, we've built the largest gun violence prevention movement in the country. Nearly 11 million Americans strong. Your generosity fuels real progress. Hundreds of life saving laws passed at the local, state and federal levels. A national network of survivors, students and moms empowered, trained and mobilized. This isn't just charity, it's an investment in safer Schools, stronger communities, and a future where every child can grow up free from gun violence. As we prepare for the year ahead, we need you with us. Through December 31st, your gift will be triple matched three times the impact to save lives. Go to everytown.org and make your triple match donation today.
Car Financing Specialist
If you go into Honda, Honda Financial, Toyota has Toyota Motor Credit. Mercedes Benz has Mercedes Benz Financial. They all have different criterias, right? So it's not, it's not a blanket as far as what they use. Some people use TransUnion, some people use Equifax. Other manufacturers use what's called the auto score. So an auto score means your automotive history. So even if you had some trouble on your credit, but they saw, let's say for whatever reason you had some medical bills or something happened, but you always paid your car note on time, the bank may look at that and say, hey, well wait a minute, yeah, they missed some payments over here, but they always paid their car on time. So that means that, hey, you know what, this person needs that car. They need to get to work, they need to provide for their family. So no matter what happens, they're going to take care of that monthly payment.
Car Leasing/Buying Expert
And another thing I want people to think too. A lot of times people look at it like, okay, well I'm not a business owner and we're talking about luxury cars. Just because we have luxury cars, but the conversation is for any type of car, doesn't matter 100%. But also people have to realize is that you don't have to be a full time entrepreneur to be an entrepreneur. Because the tax system, I can't stress this enough. The tax system is set up for entrepreneurs and investors. It's not set up for employees, right? So as an entrepreneur, you get all kinds of benefits. You can write off meals, you can write off travel, you can write off almost anything realistically, as long as it makes sense, don't get audited. And cars is one of the things that you can write off, right? So if you work in a regular job and you might have a side hustle, why not get that incorporated, get llc, get a C corp, whatever you want to do and get a tax id, opening up bank account. Now you have a business, so now you can lease that from your side hustle business and you can deduct the same deductions like if you work the regular job, right? Like now that goes against any money that you make on that end. So I say that to say we have to think like business people and you don't even have to actually be a full time business owner. Salespeople as well. Right. If you're at 1099 or if you are in some form of. Form of sales where you can take deductions like real estate, stuff like that. Insurance. You sell insurance, the same thing. So a lot of times people, you know, they have negative views towards things because they don't. They have a lack of understanding. Once you have a lack of understanding. And like I said now, if you still choose to do that, then it's your decision.
Car Financing Specialist
It's free country, 100%.
Car Leasing/Buying Expert
But a lot of times we make decisions based out of ignorance, not knowledge.
Car Financing Specialist
Right, Misinformed.
Car Leasing/Buying Expert
Yep, exactly. So one of the things I wanted to ask you was you said MSRP versus price, right? What's the difference versus selling price?
Car Financing Specialist
All right, so yeah, so you have msrp, right? That's what's on the window sticker.
Car Leasing/Buying Expert
Right.
Car Financing Specialist
So the manufacturer suggests the retail price of the vehicle. That's msrp manufacturer suggests the retail price. That's what they recommend you should be selling that car for now, the selling price is what you negotiate, right? Or whatever. However you can reduce the selling price of the vehicle. That's what that comes down to.
Frank (Podcast Host)
So is that the same thing as a cap cost?
Car Financing Specialist
So no cap cost. Let's say you're leasing or you're financing the vehicle. The final cap cost is the selling price plus anything else. So whatever money the bank is lending you, whether it's a lease or finance, they're still lending a certain amount of money. So let's say on a lease, if you rolled your taxes into your payment, that's going to add to your cap cost. If you negotiated a $50,000 selling price and then you rolled your taxes of $2,000 into the lease, that's $52,000 cap cost.
Frank (Podcast Host)
Okay, and is that negotiable?
Car Financing Specialist
Well, it's based on what you negotiate as far as you'll see your selling price. Okay, so whatever fees you put into it, those aren't negotiable, those, let's say taxes and DMV fees, things like that.
Car Leasing/Buying Expert
So. All right, we talked about, okay, talk about leasing a car, but buying a car, Somebody wants to buy a car, right? And you would say most of the time if you do want to buy a car, it makes more sense to buy a used car.
Car Financing Specialist
I always recommend people, if you are going to buy a car, buy a certified pre owned. Now listen, there's vehicles you can find at these lots that are not authorized, let's say Mercedes Benz dealerships or Toyota dealership. Me personally, I think you're better off going to, you may pay a couple of dollars more, but you're getting it from the manufacturer. So you have the backing with manufacturers. And just give you an idea. Most companies, when they certify a vehicle, the vehicle goes through, let's say, you know, 150.16 point inspection. So not only will they inspect the vehicle to make sure that it's in certain conditions, so they'll eliminate things like let's say there's a place frame damage to the car, if the car is frame damage doesn't qualify for certification, so it's eliminated. Most dealerships won't even take that car. They'll send that car out and that's where you'll see the vehicles on these other side lots, right? And they're selling those vehicles. So there's really no recourse when they, when it comes to something happening to the car. Not to mention the fact that once that car goes through the certification, a lot of manufacturers will put new car interest rates on those cars. So typically pre owned cars or used cars will have a higher interest rate than a new car. But if it's certified, you get a better interest rate. So like right now, like let's say you have 1.99%. You can't get 1.99percent on a used car anywhere else. You know what I mean? If the vehicle's certified, that's the way to do it. Me personally, the vehicles, as you guys have all heard this people say, oh well, the vehicle loses value as soon as you drive it off the lot. And now what happens is really it's, once it's registered, the vehicle loses value. That's when it, that's when the vehicle loses value. And that's normally when you drive it.
Frank (Podcast Host)
Off the lot, that's when you got it brand new.
Car Financing Specialist
So yeah, when you're buying the car brand new, it initially loses its value when you drive it off a lot or the vehicle is titled. Okay, so now you're buying a vehicle who's gonna, that's gonna depreciate in value. That's what a car does, it's gonna go down in value. So you're financing a car that's losing value. It already took a big hit, right? When you're buying new opposed to a certified pre owned, that the initial depreciation has already happened, it's already taken place, but you knew that car was taken care of. The manufacturer, the dealership, you know, is putting themselves behind that vehicle. Saying, hey, we know this vehicle, we've inspected this vehicle, we know this vehicle's in good shape. We're willing to even put a a new car rate on it. So you have some more confidence when to buying that type of vehicle.
Car Leasing/Buying Expert
Okay.
Frank (Podcast Host)
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FedEx Commercial Narrator
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Everytown for Gun Safety Spokesperson
You don't just hope for change, you make it happen. Because you know that behind every statistic is a story. A child, a family, a future. Gun violence is now the number one cause of death for children and teens in America at Everytown for Gun Safety Action Fund. That's a statistic we're working to change. With the support of donors like you, we've built the largest gun violence prevention movement in the country. Nearly 11 million Americans strong. Your generosity fuels real progress. Hundreds of life saving laws passed at the local, state and federal levels. A national network of survivors, students and moms empowered, trained and mobilized. This isn't just charity. It's an investment in safer schools, stronger communities and a future where every child can grow up free from gun violence. As we prepare for the year ahead, we need you with us. Through December 31st, your gift will be triple matched three times the impact to save lives. Go to everytown.org and make your triple match donation today.
Ryan Reynolds (Mint Mobile Ad)
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CVS Representative
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Podcast: Earn Your Leisure
Episode: WHY SMART PEOPLE LEASE CARS
Date: December 31, 2025
Hosts: Rashad Bilal and Troy Millings (with guest experts)
Timeframe Covered: [04:19]–[20:23]
In this episode, Earn Your Leisure explores the financial thinking behind leasing versus buying cars, debunking common misconceptions and outlining the benefits (and potential drawbacks) of different auto financing options. With input from a car financing specialist and a car leasing/buying expert, the hosts break down why leasing is a preferred strategy for many financially savvy and entrepreneurial individuals, particularly those seeking flexibility, tax advantages, and technology upgrades.
Ownership Misconceptions:
Depreciation Realities:
“Do you want to own a vehicle that's going to lose value? Very rarely do cars go up in value, so that's why leasing is so prevalent.”
— Car Financing Specialist ([04:25])
“For me personally, the reason why at least is that as a business owner...I get better tax treatment for leasing a car.”
— Car Leasing/Buying Expert ([05:16])
Maintenance:
Upgrading:
Personal Preference: Leasing isn’t for everyone; no one-size-fits-all. Some people value long-term ownership, others the ability to upgrade frequently.
Tax and Fee Structure:
Mileage Limits:
“A lot of people think that if I drive a lot of mileage, I shouldn't be leasing...I think the contrary. Even if it’s a high mileage lease, you know your true cost of ownership.”
— Car Financing Specialist ([06:55])
“Technology is moving so fast...in three years, your life changes. You have a family, you have kids. I come out of the lease, I go into a brand new SUV.”
— Car Financing Specialist ([07:46])
"The bank may look at that and say, hey...they always paid their car on time. So...they're going to take care of that monthly payment.”
— Car Financing Specialist ([14:53])
“The tax system is set up for entrepreneurs and investors. It’s not set up for employees...So if you work a regular job and you might have a side hustle, why not get that incorporated...Now you have a business; you can deduct the same deductions.”
— Car Leasing/Buying Expert ([15:30])
Key Terms Defined:
Used vs. New:
“If you are going to buy a car, buy a certified pre-owned...Not only will they inspect the vehicle...the dealership is putting themselves behind that vehicle.”
— Car Financing Specialist ([18:13])
On Leasing:
"I haven't paid for an oil change and I can't remember when...everything is paid for.”
— Car Leasing/Buying Expert ([05:42])
On Flexibility:
“Technology changes. Even like the vehicle I have now...I need that technology now. So it's like you can just come in every three years, man. That's a huge benefit in leasing.”
— Frank (Podcast Host) ([08:39])
On Making Informed Decisions:
“A lot of times we make decisions based out of ignorance, not knowledge.”
— Car Leasing/Buying Expert ([16:53])
For anyone considering their next vehicle, this episode presents a clear breakdown between buying and leasing, dismantling myths and providing solid, actionable advice for both everyday drivers and entrepreneurs.