Your car payment is costing you $5.1 million.

$800 per month car payment.
40 years.
10% annual return if invested instead.
You spend: $384,000 on car payments over 40 years.
If invested instead: $5.1 million.
Is the car worth $5.1 million to you?
For me the answer is no.
What you could do instead:
Buy a quality used car for $10,000 cash.
Do it 4 times over 40 years. Total spent: $40,000.
$40,000 on cars vs $5.1M in the portfolio.
I could buy a Lambo right now.
I could buy a plane right now.
That money is compounding instead.
Boring car (I drive a Tesla FSD is great).
7 figure account.
Easy choice.