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REDDIT

Should I increase cash positions to cover a car lease buyout in 2 years?

S
Oct 1, 2025 · 13:33

I'm 100% in equities in my taxable brokerage (70/30 US/INT). Thinking of selling some of the US position to cover a $30k lease buyout in 2 years- does this sound reasonable?

I have a 12mo emergency cash hoarde in SGOV/HYSAs as well that I could use instead for the buyout but I work in a volatile industry so I like having a 12mo cushion.

Lease buyout on a 2025 Ioniq 6 EV. Leasing to buy made sense: the $7500 federal tax credit only applied to leases on this vehicle and I got a pretty good deal ($290/mo 0 DAS for 2 years). With the expiration of the federal tax credit, the residual might not be underwater in 2 years, but who knows?