[an_account]

If you can afford a car in NYC then you can afford the toll. Cars are very expensive to own.

[jampekka]

If you could afford the car only just, it's quite obvious you can't afford it if you now have to pay congestion charges on top.

[hombre_fatal]

Technically true, but it's a megaluxury that comes at a high cost, especially to everyone else.

[const_cast]

At that point you're already living beyond your means. Automobiles take up, on average, 15% of the gross income of the average American.

Just take the 15% gross salary raise and move on with your life.