I put it higher up, but the cost to insure my USD2k bike is $25 per year. That covers theft, accident damage, liability, I keep it as theft insurance and very sure its worth it.

Insurance is gambling, and the house always wins, right? 24 of that $25 is probably theft insurance, the chance of injuring someone else on the ebike is not zero but so low it’s immaterial.

I was warned off natto.

It’s funny, I can think of the worst drink (I dislike Negroni to the point I don’t even understand how people like it, so intensely sweet and bitter and nothing else)

and the worst perfume (Im Nebbel, smelled like burning rubber) but food, all I can think of is the time my ex made a spaghetti with a sauce of yellow tomatoes that looked exactly like vomit, and when I was trying to eat it, commented that he thought it was “a little loose” and I just lost it, could not eat it, though it didn’t taste awful.

Worst restaurant food was a Mexican place in San Antonio, got a chicken mole and the mole was made with sweetened chocolate chips; an enchilada with American cheese slice was another highlight of that meal, it was comically bad.

By that standard, I ought not be able to use the card to buy booze (might give it to a minor or use for a Molotov Cocktail) a gun (obviously could use for crime) , and probably a million other things they let people buy with cards.

Yeah if I can keep the 2014 Honda going I will. Was going to keep its predecessor, the Civic but someone ran me into a phone pole and totalled it, in 2014.

Partly because it’s manual and that’s hard to find now, but I love it and it’s paid off and I don’t drive a lot.

Insurance for my ebike is $25 per year, insurance on my car is over $3,000 per year. This is honestly one area where the economics make sense, the price does reflect the decreased risk of harming others.

Our uninsured motorist is almost 1k every 6 months, plus bodily injury even more, the property damage coverage is not as expensive as the people damage insurance (which makes sense). It’s like a vicious circle - insurance is high for uninsured but then as it costs more, more people get uninsured.

$50 a month where? People here spin signs saying $30/month insurance but that is not insurance. Actual liability coverage here is hundreds a month. $200 would be low.

I did not get cars for my kids, that is so far out of reach. With the first two, I couldn’t even let them get real drivers licenses, the insurance increase was gonna be too much. With the second set, I got an electric bike for my commute and let the one going to university use my car if she would drop off the younger one at high school and even that - one teen driver no additional car- raised our insurance by $400 a month. She paid half of it and one of her sisters paid the other half, it’s down to extra $150 now she is 21. Remember - that is without adding another car, just the driver.

When I was in high school my mom kept like 2 cheap big beater cars for us (one sedan and one Suburban back when those were more like trucks) and she drove a new little red Supra. I think to buy a Suburban, a Supra, and a sedan this year would cost $170,000. If the first two were older that’s still an enormous expense, like an unimaginable expense.

We don’t make this much but do make enough it seems like we ought to be easily comfortable (two good salaries, cars paid off) but -

How did we get here? Nobody comes out the gate making that much, we each started out making little to nothing, then went to school, had kids, got school debt and a credit card for the monthly deficit, paid off the school debt, the credit card still paying on so long after. It’s still the deficit debt, for emergency situations that come up. I funded HSA so those are not usually medical now but dogs, car repairs, house repairs. We are making progress but it’s dead expensive and slow to do so.

Basically those people making so much and credit card debt may be paying off their path to making so much.

And I know better than to complain, having been in much worse situations.

My mom always said “you don’t need to know what you are doing for the rest of your life, just decide what you are doing for the next five years”.

We got this, and I did actually use it all but my goodness. They drop it in the driveway, it can’t stay there. I moved it in the wheelbarrow for a day, then my husband and stepson worked it for a day, then we asked our lawn guy if he knew anyone who wanted $300 to move the rest (as honestly after moving half of it, it looked the same size!) and he sent us a strapping country boy, like a caricature of a farmboy, who moved the rest of it to the back, then I distributed it where it needed to go.