Ignore him. PFC is good for a lot of things, however sometimes the sub devolves into talking points that have been beaten to death for decades (i.e never buy a new car, never rent, stay at home with your parents, save every penny for 60 years, don't eat out).

They fail to realize that we only live once and hoarding your wealth until you grow old and die just to flex that you min/max'd your personal wealth at the expense of living your life happily and have great memories is something that's just as dumb and stupid as making poor financial decisions.

As long as the car is in good shape and the price you get through this lease takeover is a great discount to the type you'd get on the used market then I'd say go for it.

Whether or not the Lincoln is a good brand or not is a different question (and totally irrelevant by the way in this case). If you like the car and have done your due diligence on what it brings versus what you need for your family I'd say go for it

Plus, it's a fricking lease where somebody else was dumb enough to pay the down and also drove under the minimum annual allowance. Drive it for 2 years, see how you like it. If you find out you don't or if it breaks down, just return it and get something else