Just buy a house near your very stable and well-paying job, duh!

I know people that spend the entirety of what would be their disposable income in a car they barely use. Which still beats the idiots bankrupting themselves to go on 1 hour traffic jams to avoid a 15 minute train ride. Don’t underestimate car brains.

Two important things:

1. In case of justified need, can a person afford their car or is a downgrade or change to a more affordable car the right move.
2. The car might be just an option and one can go with owning one.