Investing in vehicles is the dumbest thing you can do. Unless it's some special collector's vehicle, a vehicle is depreciating asset. A vehicle is a tool, not an asset.

It may be a scheme but it's the only defense we have. You are on a long struggle to old age. You must invest and start investing young. You will eventually reach a point you are too old to work or you become obsolete. You need a big cushion to fall back on because thanks to jewflation, it gets harder and harder to stuff that cushion. Working and saving is not enough. Social security is not enough.

You need to 1st preserve your wealth and 2nd grow it. With the system we have that can only be done by investing in assets. We can debate portions all day, but the bottom line is some % need to be kept in hard assets (lower risk) and some % need to be kept in soft assets with high growth potential (higher risk). And over time you will gradually deminish your investment in higher risk soft assets by taking profits and converting those profits into low risk hard assets to preserve those profits.

If you don't do this, you are doomed.