A 22-year-old Reddit user recently sparked a conversation on r/personalfinance after sharing a tough lesson in car ownership costs. The young man said he financed a 2018 car for $15,000 and now pays $450 a month on the loan. But it’s the insurance bill that’s breaking him: $444 a month. Combined, that’s nearly $900 a month on a single vehicle. High Costs, Low Flexibility “I can afford this, but it takes half my paycheck,” he wrote. Making $20 an hour and paid biweekly, he lives at home with his parents ...