Ideally, if OP doesn’t spend a load of $$$ on a self-driving car, OP wouldn’t have to work more (to pay it off) and could retire sooner. But this world seems to

Ideally, if OP doesn’t spend a load of $$$ on a self-driving car, OP wouldn’t have to work more (to pay it off) and could retire sooner. But this world seems to be rather spendthrifty than thrifty.