You both have points kinda. The Kia is going to depreciate, but with the mileage you're doing, everything is going to depreciate. You're gonna get killed on whatever you buy or you're gonna get killed fueling the Navigator. If you're making payments on the Navigator, you might end up netting out to the same monthly on an EV9 after subtracting fuel costs, but having a substantially newer vehicle. That said, $25k for a near full-size crossover in this economy means it's gonna have 75k miles or more if you find an amazing deal, so at $40k, you're just buying lower mileage regardless of how it's powered. A Kia Telluride with 15k miles is... $42k. A Kia EV9 with 15k miles is... $43k.
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