I’d love to not own a car, but that not possible with the current infrastructure around me, and I think that’s true for most people in North America. I’d like that to change, but that would require actual leadership and cooperation, which apparently isn’t a thing anymore.

This would go a long way to help people get control of their money.

I’m very fortunate to have access to “pay-as-you-go” insurance, so at most I pay around $250 a year (two drivers) for up to 1000km, and every additional 1000km is around $50-60.

Since I’ve been able to move much of my car driving to cycling, I’m saving in gas and insurance. Easily $3000+ a year.

Even if someone isn’t physically able to cycle, investing in an ebike to offset some of their driving can also have an impact on their wallet.

But if you’re stuck with car payments, a rigid insurance plan, and are forced to buy gas often, then it’s a very tough situation.

Another co-worker told me I lived like a poor person, but I don’t think so.

Haha. I don’t think what they meant was to actually live like a poor person, but to be frugal with your spending. This can have a profound effect on how much money you keep!