Absolutely. And here in Seattle that probably means $1000 total cost for a $500 payment.

Oh yeah, no worries! There are just plenty of sane reasons that higher earners don’t need to own cars. :)

What if you asked questions instead of making assumptions? See my other comment.

That’s a whole lot of assumptions.

If you care about your health, it’s definitely better to bike. If you care about your time, combining your commute with your cardio is hard to beat.

$6000 a year is an awful lot to give up, especially considering the total cost of car ownership is another couple hundred a month on top of that, and more in my area, where a parking spot is $200 a month or more.

As you make more money, you start to get flexibility - you can reasonably do things like spending that additional money for a house near a train, where you don’t need a car. Then that $500 is an investment rather than depreciation. Rather than penny pinching, it’s strategy that can pay dividends for the rest of your life.

For the record, I make 300K, and I would never get a car loan at today’s rates. Right now it’s time to use a bicycle and wait for the repo rate to increase.

Don’t use debit cards. You can’t charge back in many cases at all.

$460 a month tells me you have a pile of other issues.

I strongly suspect you need a job close to home and to not be driving at all.

Before you get that far, are those pillows not available from anywhere else??

+1 to Renters insurance. It's a good idea anyway.

We could feel the heat! This was a temporary but official viewpoint. It moved back a few days later.

Well thank you! :)

Hahaha that was two months later! I actually got some amazing video; I should post it. I always discounted these pictures because of how much vog obscured the volcano.