The Shockingly Little Amount I’ve Paid For Cars In My Life

A sentimental listing of my senior vehicles current and past.

My Saturn.

I’ve never been a car guy. Probably that’s due to growing up dirt poor. It’s not like I had a choice there anyway. But it’s more than that. A lot of guys connect their whole identity or sense of masculinity to a set of wheels. I never did that. Never cared.

Sometimes, I wish I could be a car guy. One of those guys who waxes eloquent about this engine or that engine. But for me, a car has always been a metal box with wheels meant to get me from one point to another.

I currently drive a “senior vehicle,” as I’ve written about in the past. Which is a nice way of saying it’s a beater. Even though I could easily afford a new car in cash, I choose to keep driving like I’m broke. I love my old Saturn. She’s a stick shift coupe with almost 200,000 miles. She’s semi-retired now. I’m fortunate to have a work truck I use to get to where I need to, you know, work. And because I live in a small town, I really just use my car for grocery store runs, and the occassional day trip across state. Even in brutally cold winters and burning hot summers, my senior vehicle has just kept chugging along on her minor assignments. Eventually the day will come when she’ll finally give out. When that day comes I’ll give her a Viking funeral for her many years of service. For now she just keeps hanging on like a loyal dog.

Just yesterday I calculated about how much I’ve spent on vehicle purchases over the course of my driving life so far, and I was shocked. I’ll itemize all of my car purchases in a moment, but I’ll just state the number up front here to get it over with. This is approximately how much I’ve spent on cars over 26 years of driving:

— — $12,500 — —

That’s it. From age 16, when I bought my first car, until now, at age 42. Not even thirteen grand. That wouldn’t even buy half of a new base model Honda Civic nowadays after taxes and fees. This absurdly low number is an aberration when you consider that most people are driving around with ginormous car payments and cars that cost as much as houses. I know a guy at work who got a raise, then immediately ran out and financed a $65,000 SUV. That’s more than 5x more than what I’ve paid for vehicles my whole life, just on ONE purchase. Insane.

My first car was a 1982 Buick Skylark. Cost — $200

The same make and model and year even of the car in My Cousin Vinny. I bought it from a mechanic who was a friend of the family. You always remember your first time. My Skylark had a weird tick where it needed to be warmed up for several minutes before it could be driven, or else it would stall out. So, everytime I started it I had to sit there and let it idle before I could go anywhere. Not the worst feature, really, as I used to smoke at the time, and I was a teen with not exactly the busiest of schedules. I’d sit there and smoke a Marlboro, then take off.

My Buick wasn’t exactly a hot rod. But it only cost two hundred. Eventually, when it became impractical to fix, I wound up donating it to some veteran’s charity. I wish I had taken some pictures of it, or at least appreciated it more while I had it. That car represented a big life transition for me. I moved out of my parent’s house at 17 and graduated high school in that car. I miss it sometimes, but I’m glad it was able to go to help people in need at the end of its life.

My second car was a 1987 Toyota Celica. Cost ~ $1,200.

Aw man, I was hot shit driving this around. This was an upgrade. ’82 to ’87. A whole five years! It was a coupe, too, which meant it was practically like a race car.

I kid, of course. I liked this car, but I was never under the illusion that it was anything other than a semi-reliable hunk of aluminum. This car’s tick was an issue with the flywheel. Every so often when I went to start the flywheel would SQUEAL loudly. This made it super embarassing to drive, of course. So, I used to always look around to see if anyone was around before cranking the ignition.

I remember this car more because of how I bought it. I found it in the paper (this was the year 2000, mind you), advertised by this wealthy Main Line physician. It had been his daughter’s college car, and he was just looking to offload it ASAP. After agreeing to buy it, we went to the title and registration, where he proceeded to lie about the price of the car, saying it was $200 instead of the agreed-upon $1,200. This was to save money on taxes and other fees. I was kind of a naive kid at the time, so someone blatantly doing this just to save a couple bucks was a surprise. You mean people LIE to save money? OMG.

This car helped get through a few years of community college. It wasn’t the worst vehicle to have. But it’s not really a car I miss.

My third and fourth cars were 1990 Toyota Corollas. Cost ~$2,200 (combined).

Madonna had her goth phase. Western Civilization had its Romantic Age. I had my Toyota Corolla Era. This was a gilded period where I happened to luck into two very reliable Corollas of the same year back-to-back. The first was a plucky automatic that safely manuevered me across the country in a move from Pennsylvania to Tennesse, and then back again 14 months later. That one was about $1,000.

The other was a stick shift that I didn’t even know how to drive when I bought it. I was a quick learner, though. I’d practiced previously in other vehicles, and so was able to get this back home, only stalling out a few times in the process. This one set me back about $1,200.

Toyota Corollas are perfect little economy cars. It was such a shame I lost both of them due to accidents, neither of which were my fault. The first one I was rear-ended by a lady on my way to work. The other I was side-swiped by a tow truck. The cars were totaled each time. I miss those two cars, and I sometimes think that if it hadn’t been for the accident, I might still be driving the stick shift one. Oh, well. As my boss at the time said, “You can replace a car, but you can’t replace you.”

My fifth car was a 1990(ish) Toyota Tercel. Cost: $400.

I hate to speak ill of any of my senior vehicles, but this thing really was a piece of shit. It didn’t have a muffler, so it sounded like a jet engine driving down the road. It was coming apart at the seams when I got it, but I needed a ride to work, and so I had to get it.

Do you have any idea how nerve-wracking it is to drive on Route 76 from Philadelphia into New Jersey everyday on a rusted bucket of bolts that sounds like it’s going to rattle loose any second, leaving you sitting in the highway holding a steering wheel in your hands? It’s Heart Attack City, man.

Mr. Tercel only made it a few months before shutting down and needing a tow to the big junkyard in the sky. Good riddance, too, as he probably would have wound up killing me at some point.

My sixth car was a 1997 Nissan Maxima. Cost~$1000.

This was another short-timer. It’s issue was an ongoing oil leak. Bad, I know. Cars kind of need oil to keep running. Except I didn’t have any money to fix it. You might have noticed a recurring theme of low-income issues here. Just buying these cars themselves was breaking the bank for me. At the time I had to squeeze every dollar I could. I couldn’t afford luxuries like properly running engines.

I liked this car a lot when I first got it. It was smooth, roomy, and finally got me out of the year 1990, where I’d been stuck for almost ten years. Then the oil issue finally caused the engine to seize up on the highway, where I had it towed away for good.

My seventh and current car is a 2006 Saturn Ion. Cost ~ $7,500.

That brings me to my present senior vehicle. This was the first car I bought through financing. I’d never bought a vehicle other than through a private party prior to this, and always in cash, so this was a new deal for me. I was desperate for a car. I wasn’t happy to have to take on monthly payments for a vehicle. The whole thing felt alien and just plain wrong to me. Still does, actually. But I had once been a car salesman for Saturn some years prior, and I knew they were generally reliable vehicles. I happened upon a good deal for one in 2011, a month or so after my Maxima died, and with trepidation, signed for the loan on the dotted line.

I actually hated this car at first. She gave me nothing but problems the first year. She had some electrical issues that made the doors unlock and lock constantly. When it rained a leak let water in through the passenger side door. So during bad thunderstorms I’d come out and find the floor filled with water. She needed a water pump that cost me over $1,200 to fix. And she was a stick shift, too, which was a pain in the ass to drive in bumper to bumper traffic on the highways into work.

But looking back, my Saturn was one of the catalysts that motivated me to change my life and seek out better economic opportunities. See, between the auto loan payment and the insurance, I was paying over $500 A MONTH just to drive the thing. That’s not counting the cost of repairs, the maintenance, the gas, and the PA/NJ tolls. I was literally working just to keep the car, so I could use it to go to work to continue to pay for the damn car. A vicious, demoralizing cycle, to say the least. Plus, everytime something broke, I’d end up maxxing out my credit cards to fix it. Then pay off the card. Only for something else to break on it again and have to start all over. It was madness.

My Saturn got me out to North Dakota, where I eventually found work in the oilfields. She took me on a West Coast Tour, when I decided to use some time off to drive all the way from North Dakota to Washington to Los Angeles, to back home in Philly, to back in ND. She got me through my two last years in college. All while bravely surviving the brutal cold and winds of this upper midwest hellhole.

I paid my Saturn off way back in 2013. Her purchase price was something like $6,995, but after interest payments and such, it comes out to around $7,500 total. I wound up paying her off early, and then vowing never to finance another vehicle. I’ll ride a bike or thumb a ride before doing that. Fuck debt.


My Saturn is semi-retired now. She still runs just fine when I need her on a day trip somewhere. I give her oil changes early. I never take her out in bad weather. Baby doesn’t get her shoes wet. If I were forced to take a job where I had to drive my own car back and forth to work, or if I were to move to a city, I’d have to upgrade vehicles. But for now I’m in a good and rare situation where I can keep her for as long as she’ll run. When I travel longer distances I usually rent a car or fly. My Saturn could blow up today, and she would have paid for herself many, many times over. Hopefully, whenever that day comes for her to finally give up the ghost, there will be a place I can park her in the Louvre, because that’s where she belongs. Frankly, I don’t think I could ever give her up. We’ve been through too much together at this point. She’s gray and unassuming. Her driver’s side window molding flew off a while ago. She doesn’t have anywhere near the pep she used to have. But she still starts when I turn the key. I love her a great deal. Perhaps I am a car guy, afterall.

My Very Simple Investing Strategy For 2025

Keeping things easy and mostly automatic going into the new year.

Made with Midjourney

I love investing. I love saving. I love seeing my money grow over time without having to do anything other than sit and wait. I think it was Charlie Munger or Warren Buffett who said, “Compound interest is the eight wonder of the world.” He was quite right.

2024 delivered some fantastic gains across the board for virtually all assets — gold, Bitcoin, and US stocks, of course. Like many others, I’ve seen my networth grow substantially. At this rate, I’ll be semi-retired far earlier than I expected. All good.

While I love investing and watching markets, I hate all the hand-wringing and consternation that often goes along with it. It’s great to make money, but not if you’re going to obsess about it and be checking stock tickers and the Bitcoin price every five seconds. What kind of a life is that?

It stressed me out all year. As I get older, I’ve learned that nothing beats having peace of mind.

I’ve been burned in the past on bad investments that I put way too much time and thought into, while ironically doing quite well in ones I didn’t think much about because they were diversified and “boring.”

My ETFs and index funds? All in the green. But often I do poorly in individual stocks or options investing. I did do great with the Reddit IPO in 2024, nearly 5x-ing my small pre-public investment. Looking back, I wish I had put way more in than I did. But hindsight is 20/20 and all.

To help keep things simple and easy, I’ve decided on a very straightforward strategy. Basically, any money I use for investing after taxes, expenses, and my retirement account contributions will be apportioned like this:

60% equities — Meaning SPY and QQQ, the only two holdings currently in my main non-retirement brokerage account.

20% Bitcoin — This is in addition to my 2025 DCA experiment, which I outlined here. Bitcoin is volatile as hell, obviously, but I’m in it for the long haul. I’ve been in crypto since 2020, so I’m a weathered vet at the ups and downs.

10% precious metals (mainly gold)— I only buy bullion in one ounce increments to save on over spot mark-up, and I prefer the .9999 purity of the incomparable British Britannias. Such a lovely coin, and actually the cheapest way to buy gold over the American Eagles, Buffalos, Canadian Maple Leafs, or almost anything other than packaged gold bars. I also like to buy the silver Britannias every year, too.

10% cash savings — This is money I’ll be saving for pretty much anything. It could be for investing into any of the above categories, toward vacations, collectibles, something risky like options, or whatever. This is savings that sits on top of my emergency fund. Obviously, if I had to dip into my emergency savings for something I’d have to replinish that first before anything else.

What’s missing? Real estate. I don’t own a house or any property, and don’t have any plans to just yet. Housing is not really practical or even worthwhile where I live because of the harsh winters and the constant maintenance problems. So, I continue to rent, which I think is a better value overall for now. In the future, I’d like to own my own home. So when that happens my investment strategy would have to be adjusted accordingly.

Also missing, a side business. Medium provided a nice little side income for 2024, but not enough to make a big difference. I’m looking to get into YouTube in the new year, but that may take awhile to become monetized. I have considered buying businesses and such. It would have to be the right deal and the right situation. I’m not going to plunk down money into something just because it’s trendy or seems like a “sure thing.” There is no such thing as a sure thing in business.


Really, at the end of the day, I’m a writer. A “content creator,” to use that hated phrase that’s in vogue. I think I’d rather just focus on that gift. I’m only happy when I’m writing and creating something to entertain or inform people. I’ll look for ways to expand, improve, and monetize my writing skills.

Hopefully, this new investing strategy will help alleviate my mind. Looking back, I’ve spent way too much time thinking and worrying about money, while neglecting other areas of my life. Money is great and all, but it cannot give you a fulfilled life, necessarily. I love being in the game, don’t get me wrong. The process of making money is fun and fulfilling. But after awhile, it just becomes video game points.

Made with Midjourney

Have a happy New Year. 🙂

A Few Easy Ways I Automatically Make Extra Money Every Month

Who says side income has to be hard work?


Made wtih Midjourney

Everyone needs side income these days. Thanks to inflation and the rapidly rising cost of living, one income is too close to having none. Many people work two or even three part-time jobs if they don’t have a solid main source of income. Wealth “gurus” will sell you all sorts of complicated programs guaranteed to make you rich.

The effect of all this is PRESSURE. Pressure to make more. It can all seem complicated, difficult, and time-consuming. Luckily, there are some very simple, stupidly easy (and lazy) ways to supplement your income. Every little bit helps, even if it’s just a few dollars. Here some methods I use.

1. High Interest Savings Accounts

This one may seem obvious, but you’d be really surprised how few people take advantage of this. Even though the Federal Reserve just recently lowered rates by half a point, there are still opportunities to earn decent yields. Just go to an aggregate site like Bankrate and look under their high yield savings account section. As of now, October 2024, you can still find savings accounts with reputable FDIC-insured banks offering 4.00% to as high as 5.30% APY. Some banks even offer decent savings rates in their checking accounts, though this is not often.

Another key to taking advantage of this is to have multiple savings accounts. I do this with bank accounts in the interests of safety and diversification, should one of my accounts become compromised or I lose a debit card. But it’s also good to have at least one seperate account that you can transfer money to. This can even motivate you to save money, because you wont see it everyday in your regular bank. “Out of sight, out of mind,” as they say.

Right now, between all my accounts, I earn over $50 a month from interest. I expect to make at least $600 this year.

2. Credit Card Reward Points

This will bother the Dave Ramsey fanatics, I know. The money management radio host is famous for his devout stance against credit cards no matter what. I used to think the same way. But if you’re disciplined, and you use them for things you would be spending money on anyway, then there’s no reason not to take advantage of their cash back rewards.

My one card pays 1.5% cash back. I have a number of bills that automatically deduct from that card every month, that add up to anywhere between $300-$500. This means at the end of the month I can apply $5–$8 to my bill. I always pay my bill in full. I’m a proud “deadbeat,” as the credit card companies refer to those who never maintain a revolving balance. Even though $8 may not seem like a lot, that’s basically a free $96 or more every year, that you can make without having to really think about it. Put another way, if you saw $96 lying on the sidewalk, would you not bend down to pick it up? Of course you would.

Cash back can also help when you have a big purchase. If you were to spend $1,000 on something like a new computer, that would translate to a $15 “discount” due to the cash back feature. Some credit cards even offer higher cash back rewards with certain companies.

Again, the key here is to buy things you would anyway. Don’t just buy something to “get a discount.” That’s what gets people in trouble, and why Dave Ramsey is mostly right about avoiding credit cards altogether. But if you’re savvy and disciplined enough, there’s no reason not to look for ways to save even just a few dollars.

3. Dividends On ETFs/Index Fund Stocks

This one requires some clarification. I don’t personally buy dividend stocks. I stick to low-cost ETFs that track the S&P and Nasdaq. Namely SPY and QQQ. This goes for both my retirement accounts and my personal brokerage account.

Many people will recommend this dividend stock or that, looking only at the yield. I don’t really care. Many dividend stocks tend to go down in value over time, essentially making any gains you make from the dividends a wash. For example, AT&T (T) offers a nice 5.15% dividend, or about $.27 a share, but its stock has declined by almost 50% over the last five years. If you had bought 100 shares in 2019, you’d have made around $550 in dividends so far. But your position overall in terms of the value of the stock would be down almost $740. Meaning you’ve lost about $200 on paper. AT&T has gone up this year, but it’s long-term trend is down. This is not the case with every dividend stock, of course. Some may actually be good deals, but they’re just not for me. Do your own research here.

My personal brokerage allows me to see an estimate of future earnings from my dividends. As of now, I earn about $100 a quarter from my SPY and QQQ holdings. SPY offers a “low” 1.21% yield, while QQQ only gives a “measly” 0.61%. But these ETFs track the market, including the largest and most successful companies. SPY has gone up over 50% over the last five years. QQQ has more than doubled in the same time span. You have to look at the overall value of the asset and the risk involved in holding it, not just its annual yield. A dividend stock may offer a decent yield one year, then cut it the next. But even if SPY and QQQ were to cut their dividends entirely, they would still track their indexes. Whereas a dividend stock’s price might drop big because a flood of investors exit over its diminished yield.


Adding up these three brain-dead easy ways to make extra money comes out to almost $1,000. Or about $83 a month. That’s like getting an annual “performance bonus” from a job. A thousand may not seem like much. But it’s enough to pay rent for a month. Or get a “free” computer every year.

The best part is I don’t have to do anything really to get this $1,000. I consisently save money. I use credit cards to conveniently centralize monthly payments. I invest into my personal brokerage regularly. An extra thousand bucks is just a nice incentive for doing things I’d be doing anyway.