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Luxury1, only you know your true financial picture. For us to give advice is difficult at best.
One question you need to answer is how long you plan on keeping a potential 3rd car. If you are planning to keep it for a long time, leasing usually makes little sense, ....to me at least. For example, you're not "leasing" (renting) your new home, are you, you are purchasing it, over a period of time.
I think leasing is for people who can take advantage of the tax implications and this is usually for people who have their own business, and can write off some of the expenses.
Leasing also works in some cases for people who want a new car every couple of years.
Lastly, having kids is a very expensive responsibilty. So work hard and save-up for them too.
Good luck in your thought process!
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