re: When a vehicle is finally ready to be retired, it's usually not because of the drivetrain?

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But I'm not about to to replace it with a vehicle that comes with a $700 a month payment and that gets driven about 500 miles a month.

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Yet this is exactly what a lot of people do - even at higher mileage than you. It’s one of the many reasons poor people stay poor. They would rather sink more money into a quickly depreciating asset than incur minor less costly temporary nuisances for a less depreciating asset.