That works fine for an asset that will appreciate - as is the case with your mortgage which is now worth 2.28 times the original investment. That is very smart money management.  However a car depreciates!  Can you give me numbers (like you did with your house purchase) that make sense when buying a car?

This can be done with current laws.  Simply return the social security as a volentary tax at the end of each year.

I can't believe you wrote, "I'll gladly take on a car loan if I can do something better with my cash instead..."  I respect your right to make that choice, but please stop blogging about finances.  Your pen name should not be J. Money, it should be I. M. Foolish!