[stegosaurus]

As a tangent to my other post; 'more than the start' can take other forms than money and often does.

It might be that your employment requires that you own a car, and that without the employment you wouldn't need one and couldn't afford to run one anyway.

So the car can be considered a cost of employment. A business expense (though not tax-deductible).

The side benefit is that you now have use of a car on the weekends. That doesn't really help you with retiring, though it perhaps improves your quality of life.