If you're paying $1,000 a month for your car, you have money to burn, or you have a terrible driving record and your insurance is absurd. We have two cars, each with a monthly payment of less than $300, and our combined insurance is $450 and includes two life insurance policies.

There's no way we could afford to move into the city. First, there are more jobs out here. Second, the public schools are so much better than in the city. Third, we have space for dogs, a garage with bikes, a fenced-in yard and a creek.

I lived in the city for 10 years, and I do miss it. I miss commuting on my bike. I miss being able to take the subway home after a night of drinking. I miss walking to the corner bodega for the best fucking potato salad anywhere.

But when we moved to the burbs, the rent was $1,600 a month for our two bedroom apartment. The exact same apartment is now $3,000 a month in rent, which is more than my mortgage payment for a 4 bed, 2.5 bath on 2 acres (bought in 2018, before rates went to absolute shit).

The point is, I can't afford to move anywhere because the cost of living everywhere is too high. For us, it doesn't make financial sense not to have a car.

Because that's how they want it.