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I think you gotta play it by ear based on the car you want.
I'm in this extended period where I look at new stuff that's coming out and what deals are out there even though I'm not really interested in buying anything.
It would really depend on if one of these cars I'm interested in is not selling well and they have some crazy deals on the financing side.
Otherwise loan rates and interest rates on your own investments go up at the same time so it's always hard to tell.
If my car took a dump right now I might very well replace it with a VW ID.4.
The local dealer has the loaded ones marked almost $9k off right now which is awesome compared to a year or two ago, but the financing offers are very "meh". 6.9%-7.1% for 60 months? Nope, cash sale for sure. There aren't really any "easy" savings/investments that beat that. Private Equity/Credit do, but even those don't beat it by that much.
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