Advice about mobility budget
Hello,
- 31yo with wife & 2 young children
- net salary +/- 3500 + benzine car all included
Next year I'll have to choose mobility budget (+/- 1100€ monthly) when my lease will be over.
Option 1 : chill & pick a high end electric car all included.
+++ : no worries
--- : if I lost my job or leave, I have no car starting immediately
Option 2 : take loan reimbursement, during 3 year 1100€ net then 580€/month + 3800€ once a year (pillar 3). Buy a nice 30-35k car by myself
+++ : After 3-4 year, probably a good € gain if I dont buy a car too expensive and if I keep it 7-8 years. Still have a car in case of job loss
---- : I need to handle everything by myself, possibly not so advantageous for a small gain. Probably around 10k€ after 5 years. Potentially I can be frustrated with the same car during a long time and ruin the strategy by changing the car after 4-5 years.
TLDR; should I take 5-8% more money in my situation or abandon it for the peace of mind