🚗 Car is the biggest "cash flow crusher" for ordinary people. Many people, once they save up around 100,000 yuan, start to get itchy: "It's time to reward myself; I need to get a car to be proper." So, with a quick decision, they pick up the car and leave. The real money-burning begins from this moment: In the first year after purchase, the car depreciates by 20-30%. Insurance costs several thousand to tens of thousands per year. Parking fees, fuel/electricity costs, tolls—thousands quietly spent each month.