Let me give the viewpoint of a non-Catholic pastor.
Clergy have weird tax benefits and liabilities (that is, those who have not opted out of social security as conscientious objectors or members of a religious order). So contrary to popular belief, priests and pastors DO pay taxes, and have to pay ALL of their social security. Churches are prohibited by law to pay social security for the ordained.
- You are considered self-employed for social security purposes, but not for income tax purposes. In the old days, you could file a schedule C and take deductions. No more.
- However, you CAN arrange with your parish to be reimbursed by voucher. Any expenses used for parish work can be reimbursed, and the reimbursement isn’t taxable income. Where a car comes into place, you can lease a car and write off the expense, take simple mileage deductions, or use actual expense method. So the buying, usage, and costs for a car are a bit different for members of the clergy.
Having said that - like it or not, you DO make a spiritual and theological statement by the vehicles you buy. We minister to the rich and poor alike. What would be the impression someone might take who needs pastoral counsel regarding family finances and struggles who drives up to a church in an aging car and sees the priest or pastor getting out of a new luxury car?
I am given, in my opinion, an extremely generous salary. Having said that, I’ve never bought a new car. I’d rather give my money to the Church, to the poor, and to the mission field.
I have three vehicles: a 2002 Nissan Maxima I bought two years ago that my wife drives, a 1991 BMW that I bought last year and put back together (my hobby is vehicle mechanical work), and a 1993 Yamaha motorcycle I bought four years ago. I paid cash for all of these vehicles, and tend to drive vehicles until they drop. There are far, far better investments and uses of the money God entrusts us with than to purchase a car. A car is a financial liability, never an investment, unless you buy very high end cars - which make a statement in themselves. The math just isn’t there.
Just because you CAN buy something doesn’t mean you always should. And priests and pastors, like it or not, are held to higher accountability and standards by those around us.
Mercedes makes a great car; Germans overengineer their cars and they run great. The good Father in question may be driving an older Mercedes and not a brand new one. Finding an old Mercedes or BMW can make good financial and stewardship sense.
Just don’t buy a Volvo. Especially if you’re Catholic. Someone might mistake you for an Episcopalian.
O+