If the car that totals at $50k costs you $100/mo, that doesn’t drop to $90/mo when the car’s value drops to $45k. It stays the same or goes up.

Struggle broke or struggle sad?

Cut the hot dog lengthwise. Brown it in a skillet. Hot dog sandwich.

My car insurance goes up as my car loses value. Years ago you could choose to only insure it up to a certain amount. My kids drove an older car and i designated $10k in insurance for it. That cut the insurance price to about 60%. Texas no longer allows that.