Why your car is your most expensive lifestyle choice

Peer-reviewed research highlights how much our local roads drain fuel. A study on Nairobi’s urban transport found that the fuel economy for “passenger cars… was found to be 2–3 times worse than in the countries these vehicles are imported from.”

When you add the daily Sh200 city parking fee, comprehensive insurance that costs about 4 per cent of the car’s value every year, and routine service every few months, the bill quickly escalates.

Choosing a mix of matatus for your morning commute and digital taxi apps for specific mid-day meetings can completely change your financial health. If you spend an average of Sh25,000 monthly on public transport and cabs, you save Sh35,000 every single month.

Investing that extra money into a regulated money market fund builds a serious financial cushion over time. A personal car gives you great freedom, but doing the actual maths shows exactly what that freedom is costing your long-term financial security.

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