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I think 'can I afford to live without it' is a miserable way of going through life. I certainly could live without ever going to nice restaurants, trying things like kiteboarding and skydiving, going snowboarding or mountain biking, but why forfeit things I enjoy so I can look at my bank statement and see a slightly larger number at the end of the month than I would otherwise?



I'm not advocating asceticism -- if owning a car is so important to you that you're willing forgo other luxuries to do it, then that's your choice. But don't pretend that it's always a sacrifice to live without owning a car, or that the choice to own one is automatically financially prudent.

For many of us, cars are nothing more than a rarely used, depreciating asset with high maintenance costs that gets us from point A to point B. I'd rather rent one occasionally, and spend the money I save on all of the other things you mention.

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Cool, I see your point. If I rented a car to go snowboarding/mountain biking as much as I do I'd very likely spend almost as much as owning one ;)

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