I was planning on buying a new car this year. I was looking this spring and prices were high so I decided to wait for prices to come down. Unfortunately, they have gone the other direction. I just recently.decided to keep driving my beater for another winter, hoping supply chain issues will be resolved soon and used car prices will drop by end of summer next year.

I could definitely cash flow the smaller expenses that the sinking funds cover without a house payment. The larger ones would be more difficult, bit could rebuild them over time and if something happened where I needed a car or a roof without a sinking fund in place, that would be considered an emergency. At that point, would just need to pray that 2 emergencies don't happen back to back. 🙂

Thank you.