I’m having a hard time with that math. I recently bought a two yr old Mini Clubman and with my payments, insurance, and estimated maintenance and gas for my 22

I’m having a hard time with that math. I recently bought a two yr old Mini Clubman and with my payments, insurance, and estimated maintenance and gas for my 22 miles per day total commute it runs me about $18/day. In five years (or less if I choose to pay it off early) it’ll be way less than that. And then there is the convenience and fun factor which isn’t even in the math I provided. Basically I’m not sure two Ubers a day at 11 miles each in rush hour in a top 20 US metro area are gonna be less than that. Had I bought a used Toyota (done that a few times now) it’d be even less. (I’ve always bought used - let some other sucker pay the initial depreciation) I drive my cars until they are about dead or look to be too expensive to maintain.