Lad where I work in his early 20s has a Audi A4 on a pcp thing. Said once it costs him close to £500 a month…possible insurance as well. Yet he tramps out all week. And his cars just parked at the yard all work I dont get it at all.
Spends all that money and.not getting much use out of it.
Don’t begrudge him if he can afford it why not. But personally I’d be putting the money aside as a despoist on a house or buy car outright for cash.
As sure when your pcp runs.out you hand it back or trade it in for another one.