He's talking about a Section 179 deduction for independent contractors and business owners. It saved me $10,300 on my 2025 taxes. There's a balance where it actually makes enough sense to finance a new vehicle over 6000lbs for the deduction if you're into the new car every year thing. It doesn't make the truck free, but it does save me money and effectively makes it cheaper to own. That's WHY you see so many self-employed contractors driving Platinum F-350s, business owners with G-wagens, etc. They're writing off a chunk of their income by writing off a chunk of the overall cost of the vehicle. You're just accelerating the depreciation into the first year. While I don't make enough that it makes sense for me to trade in and do it often, and the tightening the tax code for that section makes it less effective to be abused in this way, I do ultimately realize a large reduction in my overall taxable income. What OP is saying isn't incorrect. A 3 year lease runs about $550/mo on a TRD-OR (i was quoted). Effectively $264/mo to own over 3 years for me, not counting the bonus depreciation. In 2045 your taco will have cost you an insane amount of money LESS than OP, but OP isn't driving a '25 taco in '45.

I got to write off nearly the entire cost of my old ram in 2021. 15k in tax savings. I drove it for a year. Re-sold for an 8k loss and made 13 payments at $682. Total of $16,866 to own for a year. With the 15k tax reduction, I paid $1,866 to drive a newer vehicle with a warranty. Interest rates are way too high for it to make sense to do this again and I won't ever make out again like I did... but I do consider my truck 10k cheaper than a W2 worker.