Muhammed Ali changed his name in the 60's.  Caitlyn Jenner changed her name in the 2010s.  I think we should all be glad that our attitudes about personal identity have shifted enough in the past few decades (as they well should) that we actually respect people’s preferred identities, rather than shitting over them…

I think you might want to check that “overwhelming majority” thing again: https://www.pbs.org/newshour/politics/new-poll-shows-americans-overwhelmingly-oppose-anti-transgender-laws.

Trans women are women.  They aren’t “taking” women’s rights, because women’s rights are not a zero sum game.

Yeah man, I’ve also walked into a dealership and walked out paying thousands less than the supposed “retail price” of the vehicle multiple times, probably everyone has.  I’m not sure what else to tell you.  If you qualify for an interest-free loan, that’s free money.  If you have to forego other incentives to get the…

You should stop, because it is absolutely fraud to put on a loan application that you are going to use the loan proceeds for one thing and then to use the proceeds for a completely different thing.  Like, that’s basically the definition of fraud.

People 100% should not fucking buy new if they can’t afford it.

On a $60,000 car, there is nearly a $300 difference between the monthly payments on a 5 year vs. 7 year interest free loan.

That’s just a budgetary matter though, and depends on the particulars of your budgetary situation. If you got a longer term loan, your monthly payments will be lower, which means you might be able to fit both payments in you’re budget. 

What do you mean by “padding the cost of the vehicle”? If you mean they charge you more for that particular car, well, that’s only true if they are offering you a rebate as an alternative to 0% APR. If you mean they increase the price of every vehicle to cover the occasional 0% APR deals they close, well, if true,…

Nothing is risk free, but taking an interest-free loan with a longer term isn’t inherently riskier than taking an interest-free loan with a shorter term, even if you plan to pay each one only according to its terms. For one, the sorts of risks you are talking about are idiosyncratic, difficult-to-foresee risks that…

If you qualify for a 0% interest loan, that money is free to you. I don’t give a fuck about Ford Credit and what they have to pay for the money. I’ve gotten two interest-free car loans, both of which are now paid off, and I can confirm...that money was free, inasmuch as I paid exactly zero dollars in interest charges…

0% financing always makes sense. It’s free money. If what’s on offer is “0% APR for [X months] or $[X] cash back,” yeah, you have to do a little more math to figure out which makes the most sense, because you could end up paying less money out of pocket at the end of the transaction, depending on the financing terms…

If you qualify for an interest free loan, you should not ever opt for a shorter term loan than a longer term loan. And if you have an interest free loan, absent extraordinary circumstances, you should not pay off the loan early!

I’m not sure what the joke is supposed to be. What is the significant link you seem to think there is between a 7 year loan and a depreciating asset? My understanding has always been that if you are financing a depreciating asset, the loan term should more or less match the expected life of the asset (at least for…

How are you buying security with that extra $200 a month?

No, that’s someone buying a car for you, i.e. a “free car.”  When you get an 0% APR loan, that money is literally free.

From an accounting perspective, they are in the exact same situation. You have forgotten to account for the money they have already put into the car. Sure, the person who took the 60 month, 0% interest loan owes less money on the car, but that person has also paid more of their own money for the car. It ends up just…

Use of FICO scores for lending decisions definitely helps perpetuate the wealth gap.

What if you like cars, and can afford to pay for one or more cars?  Should people who like cars and can afford cars literally not buy any car other than the cheapest possible car?

Costs more than what?