[wcfrobert]

Approximate monthly cost of owning a car in the city:

Lease or loan: $350

Parking in city: $300

Car insurance: $180

Gas: $120

License/Registration: $42 (~$500 per year)

Maintenance: $17 (~$200 per year)

If you live in the city and you can afford not driving, please put that extra $1000/month into your brokerage or HYSA

[0xffff2]

If two Waymo rides per day is covering your driving needs, there's no way you're spending $120/month on gas. Also, car insurance in CA is a huge ripoff, but I still don't pay anywhere near $180/month for very thorough coverage on my ~$40k car. Believable enough otherwise though.

[thebigman433]

What are your policy details and who is your provider for <180$ for "thorough" coverage?

[0xffff2]

Comprehensive, collision and 500k liability through USAA, $120/month. Deductibles are as high as they will allow, which is $1k IIRC. I was recently forced to consider a move to Utah. Thankfully I didn't end up moving, but a quote for the exact same coverage in SLC was just $40/month.

[xnx]

> through USAA, $120/month

Good deal, but not available to most.

[0xffff2]

I shop around regularly. USAA isn't even remotely the cheapest option, and the handful of experiences I and family members have had suggest that they are just as shitty as any other insurance company when it comes to handling claims. I only stick with them because they are consistently within 20% of the cheapest option and I value having all of my banking and insurance handled in one place.

[HDBaseT]

If you're tying to budgetmaxx, why are we having a car payment on our total?

Gone are the days of $500 dollar drivable shitboxes, although you can easily get cars in the US for under a few grand. Why you'd be penny pinching and taking a loan out is beyond me. You ideally don't want a loan for anything, but some may excuse a home loan...