What if?

  1. The question

    What if I invested the money I spent on my car?

    Treat a round $150/week as a car payment and put it in the S&P 500 since 2018. A proxy for “the car,” not a used-car price index.

  2. Assumptions

    What this page actually assumes

    • $150/week stands in for a car payment — insurance, fuel, and the loan mashed into one round number. We do not have a table of actual car prices.
    • That cash buys the S&P 500 every week and is never sold.
    • Default start is 2018 (a typical loan window). 2015 is available if you want a longer habit.
    • This is not advice to skip owning a car.

  3. Historical data

    2020-01-03 → 2026-08-28

    Same S&P 500 Friday series as the other stories. Shorter starts mean fewer payments and less time in the market. There is no CPI car-depreciation overlay.

    Series: S&P 500. Same contribution calendar. No data before 2015.

  4. Interactive simulation

    Change the habit, stay on the real curve

    Amount
    Start year

    $150/week · S&P 500

    2020-01-03 → 2026-08-28 · $150/week · S&P 500

    Contributed$52,200
    Held to the last date$93,201
    Return+78.5%
    SteadyGrow value$121,078
    vs blind DCA+$27,876
    S&P 5002020-01-03 → 2026-08-28 · $150/week
     +$27,876 vs blind (+29.9%)Ended +29.9%
    Blind DCASteadyGrow
    $0$31.7k$63.3k$95k$127k2020-012021-042022-092023-122025-052026-08

  5. Results

    What the numbers say

    Ending value is “what those payments became if they had been index shares.” Compare it to what you actually got from the car: transport, not a return.

  6. What changes if…

    Nearby questions

    What if the weekly amount wasn't always the same?

    These pages fix the contribution. SteadyGrow keeps the same long-term budget and sizes weeks from valuation — more when markets are cheap, less when they're stretched.

    Get weekly signals — $29/quarterLive $500/wk experiment →