The break even for home solar is too long for me also. Every now and again I look at it, and even with subsidies it's gonna be about 12 to 15 years before I see any cost saving.
I drive an electric. It doesn't save money because the car itself is more expensive by exactly as much as you would save over the life of the car. And then the $700/year registration fees because you don't pay the fuel tax. Again, stupid capitalism.