Guy A: I want to buy a car but my elder brother keeps telling me how expensive it is. He even worked out the depreciation. All in, about $12K a year. I think that is OK. Guy B: $12K a year in Singapore for a car is quite normal. My car is about the same. Guy C: Can be lesser than $12K a year lah but that is OK for most families. Is it a good idea to lose $12K a year to own a car? Hey, having a car definitely improves our quality of life. It is worth it! Sure or not? Cannot find an unoccupied seat on the train or bus?  What? Cannot even get on the train because too crowded? What? Train broke down? Again? Alamak. All these issues are magnified if we are on an outing with children and the elderly. Stop for a moment and imagine that......