Which event will have the greatest impact (positive or negative) on one's net worth after one month?

a. Buy a used car at market value for $15,000
b. Buy a new car at market value for $15,000. Car depreciates 20% upon transfer of ownership.
c. None of these events will impact the net worth of an individual
d. Lease a $15,000 car on a 3-year lease. The monthly payment is $199 and all lease payments are required in the lease.