this post was submitted on 10 May 2026
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It means you cannot afford that car and should either get an appropriate one or none.
Depreciation is the biggest loss for newish cars, but maintaince, fuel, tires, insurance costs come up quickly, often averaging 5-7K/year.
In much of America, not having a car means not being able to get to work or buy food.
If you can't afford a car, you might be able to afford operating costs for a used japanese motorcycle.
As a European with very decent public transit and bicycle options, I feel like an idiot for getting a Mazda 3 half a year ago. I really should have tried to make do with a nice cargo bike. Couldβve been hundred of Euros going into my ETF instead of payments, insurance and so on.
Oh well, at least I donβt anticipate a lot of trouble from my Mazda.
I'm a retired Brit living in the middle of the Welsh Marches, 10 miles from the nearest town. There is no public transport. Having a car is vital out here and I dread the day my 13-year-old Tiguan gives up the ghost.
Well if it's one of the direct injected petrol models, it's prone to carbon buildup on the valves, which can be cleaned preemptively - if the buildup gets too bad, it can wreck the valves IIRC. If it's a DSG rather than a conventional automatic or manual, those can be problematic depending on the exact version. Expect a couple grand to fix if it goes wrong. Any chain-driven VAG engine usually doesn't have a very long lifetime on the chain and they're a pain to replace.
I wish you luck with the Tiguan, but honestly if I was a Brit living in the countryside, I'd rather be driving a Land Rover. Not that I expect it to be less problematic than VW, I just think they're cooler and it's the one country where LR enthusiasts and independent workshops are plentiful.
Simply buy a 20 year old honda.
Similar distance from town but in Australia. My 2002 Verada and 1996 Magna just keep on going. Look after them and they'll usually look after you. Not sure how much built in obsolescence might be in a Tiguan though. Might be old enough to be predictable.
Biggest car costs are insurance, taxes and big repairs as you said. In lots of countries those costs can go down if you choose the right car. Other option of not owning a car, while varying in difficulty, include car pooling, taking the bus or other kinds of public transportation, moving near place of work or at least moving near public transportation lines.
Anyone who is broke because of their car obviously doesn't have better options.
Just buy a house near your very stable and well-paying job, duh!