And you have control over ALL of this...take personal ownership of your personal finances.
(Example--I'm currently driving a 25 year old car that I bought new--what do you think my "lifetime car purchase" costs are?)
There are other items above as well...but the problems for most are:
a) instant gratifcation
b) profligate spending
c) financing everything
d) keeping up with the "Joneses"
Really--this is ALL under your control, and subject to the decisions you decide to make.
Good plan, be nice if the money you save in wasn’t debasing itself though. Wonder if anything fixes this 🤔