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My solution to this problem wrt cars was to buy a low-mileage used BMW off lease and learn to replace my own brakes (highest cost routine maintenance task). I'm making use of someone else's wastefulness (the previous owner) to subsidize my fancy car ownership, and paying less for the car than I would have paid for a new Ford or Toyota.

Yeah, this is what my girlfriend did, and it knocked about 40% off the new price, while still being only a couple years old and very low mileage.

I'll probably need to replace the brake pads myself after the warranty runs out, but for another few years, maintenance is supposedly comped.

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