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Feels like it. I'm getting the most pay in my life and 5 years ago it would have been comfortable. Now with the cost of everything I'm just eeking by. Hell I drive a 30 year old car still as I can't afford a new one or even a newer used one
Motorcycles are much cheaper, easier to maintain, and convenient if you don't live in a place with snow. If I ever go back to America, I am selling my 20 year old toyota and buying a sensible Honda Motorcycle.
I actually used to ride believe it or not. But with starting a family and the insane amount of distracted driving here in the US I quit. It's disturbing to see people with their phone in their hands while driving. Plus I didnt want to leave my family without a father. I loved riding and still miss it
I would totally ride a motorcycle if I wasn't surrounded by people on their cell phones not staying in their lane.
The bigger danger is people not looking or their brain not working and pulling out directly infront of you.
Unless you live in America, then the biggest dangers by far, accounting for >3/4 accidents are drinking and riding or going into a turn too fast for conditions and eating shit.
Here in vietnam, its probably people with a phone in their hand riding into the back of stuff, then alcohol.
In Cambodia its probably people with shit tires and no helmet lowsiding and getting squished by an oncoming truck or banging their heads.
I've been bumped by people doing the no-look-lane change once hard enough to deform my foot peg, as long as you have grip, there is a lot of force trying to keep a moving bike upright.
I used to ride, but even bikes are getting quite more expensive, and it's much dangerous to ride on at least in the US as everyone is driving bigger and bigger vehicles and more distracted as well.
I know Harleys are overpriced, but you can get a brand new cb750 for 7-8K, cheaper most of the world.
What is weird is that much cheaper bikes the third world gets are way more expensive in the US, a XR150L is 3.4K in the US, a CB150 verza has the exact same engine, it's less than half the price in Indonesia.
Same with the Honda Wave in asia vs Grom in the US, they switch the functional frame/clutch for something "sporty" and just double the price.
you can't afford a 25K civic or similar?
issue i see with people is they seem to want 50K cars. at least going by the average price of new car purchases, but most car buyers buy like 2x the car they actually need.
Something like 65% of people can't afford a $1k emergency. NO thry can't afford a payment on a 25k civic. We are all people scraping couch cusions to get a used car lot $4500 Toyota.
Don't know about you, but a $4,500 used Toyota in my neck of the woods would be an early 2000's Toyota with 200k+ miles and in serious need of expensive repairs. And those living paycheck to paycheck wouldn't have a way to put down the cash to buy even that car.
Nope not with kids and a lack of child care. One parent stays at home as their paycheck got devoured by child care and I work. Both of us with degrees in tech too. Once both kids are in school maybe she'll be able to work part time but obviously someone still has to go pick up the kids. I have zero family support. My parents died of cancer and meth.
I'd love a hybrid civic or corolla. Hybrid mostly to save on gas. I absolutely don't need a F150 or something
childcare is about 3K a month max in a HCOL. even with 2 kids that's 6K a month.
if you both have degrees in tech in your 30s, you should both be making like way more than 6k a month. neither parent should stay home, unless it's a lifestyle choice. i have known a few people who did this. a dual income tech couple should be pulling in well over 200K/yr
and yeah if you are poor because of lifestyle choices... that's not struggling. that's you choosing to make less money than you could. or i suppose you could be 24 or something and both be making 60K, but why you had kids so early is against a lifestyle choice and your struggle would again be self-imposed.
and by the sounds of it you very much could afford a cheap least or car payment. a lease on basic hybrid civic is 250/mo or so. sounds you aren't open to leasing a car though and think you have to purchase it outright.
Got to love when people say 24 is young to have a child and it's a choice. Not every state allows abortion, and even with birth control and contraception, children occur.
Then the dogshit advice to lease... Sure, it might make sense to some, but it's almost always a terrible choice.
At least in the US the average new car price is now close to $50k. That's the reason car loans now are going upwards of 7 years. A lot of the car price is more and more expensive safety features being added on cars. Add in, you are quite a lot safer in a modern new car compared to even a 20 year old car.