When it comes to leasing, Khalfani-Cox says that someone who's good with money will likely turn the other way. "They're not going to say, 'oh, let me lease this $50,000 car, and then next year let me lease another one,'" she says.
Leases will still involve down payments, and though the monthly payment and up-front payments may be lower, you'll never own anything like you could with a loan. Though a lease might seem like a way to dodge debt in the short term, those who are good with money will see it in a different light.
"If you're motivated by the lowest long-term cost, buying and keeping your cars longer will make more financial sense," Alain Nana-Sinkam, the vice president of strategic initiatives at TrueCar, previously told Business Insider's Tanza Loudenback.
Those who are good with money are likely to be less caught up in needing the latest and greatest, meaning a lease won't really be the best option for them.