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You can afford the car — but the payment may be quietly shrinking your life, your margin, and your peace. In this episode of Munger Money School, we break down why car decisions that “work on paper” often create years of stress — and how to choose a car that supports your future instead of competing with it. You’ll learn: • Why monthly payments hide the real cost • How car choices quietly destroy margin • The identity pressure that leads to overspending • How depreciation traps people longer than expected • A simple rule to protect flexibility and calm Who this is for: Adults who earn steady income but feel tight, stressed, or boxed in by a car payment that was supposed to feel fine. Subscribe to Munger Money School for calm, rational money decisions that protect your future. Disclaimer: Munger Money School is a fan-made educational channel inspired by the public philosophy and ideas of Charlie Munger. We are not affiliated with Charlie Munger, the Munger family, Berkshire Hathaway, or any related individuals or organizations. All scripts are original interpretations created for education and storytelling. They are not recordings, transcripts, or recreations of any real speech, and they should not be treated as quotes or statements from Charlie Munger or anyone else. The visuals of the mentor are fictional, and the narration is AI-generated. It is not a real human voice and is not intended to imitate or impersonate Charlie Munger or any real person, living or deceased. Nothing in these videos is financial, investment, tax, or legal advice. The content is for educational and informational purposes only. Always do your own research and consult a qualified, licensed professional before making financial or investment decisions. #personalfinance #moneypsychology #MungerMoneySchool #financialstress