$700 a month car payment.


Seems normal right?
Run the math.
$700 a month invested into the S&P 500 instead.
10% average annual return.
30 years.
About $1.58 million.
That is what your car payment is actually costing you.
Not $700 a month.
$1.58 million over a lifetime.
You put in $252,000 over those 30 years.
The compounding does the rest.
The car depreciates the second you drive it off the lot.
The investment compounds every single day.
I am not saying never own a nice car.
I am saying understand the real cost.
Drive something cheaper right now.
Invest the difference.
Get to $1M first.
Then buy whatever you want.
The math will not care.
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