@Dominions Son
I don't have the disposable income to engage in that kind of patronage without some kind of ROI.
We quit going out to movies, don't go to expensive restaurants to eat out, and I can't even count my hobby as a hobby any longer (playing no-limit Texas Hold-em) since I make more than I lose at that, so ...
Last quarter's Bookapy money paid off my car, so I don't even have that monthly payment. I drive a 2014 Subaru Impreza and it's got 65,000 miles on it. The wife gets the new car, and when we go to trade it in her current car (it's on a lease), it's got about $6,000 worth of equity due to the used car market right now, so that won't be an issue, either, as far as monthly expenses.
For those of you who are wondering about that - when you lease a car, at the end of the lease, you have four options:
1) Trade it in on a new one.
2) Buy it yourself for the residual value, which is set when the lease starts.
3) Sell it, pay the lease off, and pocket the difference.
4) Pay a lease disposition fee (typically $300), hand them the keys, and walk away.
Where this becomes important is if you're in an accident. The value of the car will be much LESS than the residual amount, so you pay the disposition fee and walk away.
Where number 3 is important is in the market right now. Subaru is one of the few brands that the value at end of lease is always higher than the residual, but it's typically only $1,000 - $2,000 (depending upon the model). Now, with the new car factories STILL shut down, the residual value is STILL fixed - what the bank wants to pay off the car. But the CASH value on the car is stupid - $6,000 more than residual.
We found that when we sold my mother-in-laws car when she went into assisted living. She paid $27,000 for it in 2017. We sold it for $22,000, and it had accidents on the CarFax.