And that’s precisely what I’m getting at. A lot of people complain about their car/truck payment, but most of it is 100% a choice.
People point to average car payments like some kind of evidence that owning cars is significantly more expensive today, but prices for new cars have mostly come back to “normal” and average payments are being skewed by these high value vehicles (e.g. high end electric cars, trucks, massive SUVs).
So if your car payment is too high, there are most likely much more affordable options that’ll fit your needs, so average monthly payment is a really silly thing to look at.