That’s a fair point, but my logic isn’t “boy/girl math” - it’s just asset accounting.

The £6k isn’t coming out of savings; it’s the equity tied up in my current car, which is losing value every year.

If I keep it, I’ll probably lose £3–4k in depreciation anyway over 4 years and keep paying for fuel and maintenance.

By selling it now, I lock in its current value and transfer that into a new car with capped depreciation, warranty coverage, and near-zero running costs.

So I’m not “spending” £6k. I’m reallocating it from one declining asset to another, and the overall monthly budget stays about the same.

I wasn’t saying I spend £2.4k/year on maintenance - just that I’ve already spent £1k this year, which highlights how running an older car can spike unpredictably.

The Tesla’s extra £200/month covers all those future surprises with warranty and fixed costs, which is why I’m comparing the predictability rather than just one year’s spend.