Thank you, this makes sense out of the gate, and I appreciate you sharing!

I'm not seeing you calculate any repair costs for your vehicle. Or depreciation overall, especially not replacement. What year do you expect to replace your vehicle? What would you replace it with? How much would you get for trading in your vehicle if you buy a new car now?

I think you're missing pretty large parts of the math - what happens if you take your likely depreciation/replacement costs into account over time?