Honestly, I did not expect myself to be a car owner in Singapore. After all, the easiest way to achieve FIRE or set yourself up for a comfortable retirement is to cut down on the big expenses. Like choosing to stay in a HDB flat instead of a condominium OR relying on public transport instead of competing in the market for a COE. The latter is so obvious that it is often a maxim espoused by many financial bloggers, including myself not too long ago. So on hindsight, I still find it quite surprising that I bought a car. And even as a car owner, I still definitely identify myself as financially prudent. Since I probably belong to a small sample size, I thought it would be worthwhile to reflect after 2 years of car ownership. (Yes, I just burned a hole in my pocket and paid for another round of road tax) 1. Efficiency vs Variety If FIRE or an Early Semi-Retirement is the be-all and end-all, one could probably...