No reason to apologize.Sorry all, my answer is $0. I paid cash for my car when I bought it new. First time ever!
You know, I think the bottom line is this. We can debate until the cows come home which is the optimal use of cash versus loan, with all the potential variations on that theme. But in the end, if that decision is going to make or break you financially, then maybe the car isn't a wise purchase in general.
And I hope none of us are on our deathbeds one day lamenting the fact that we didn't put down enough -- or put down too much -- cash on our Mustangs. Hopefully, we're reflecting back on how well we lived our lives and had some fun doing it.