<prompt> Human: OK, Reddit, Im hoping you can help me out of a jam.I moved to Seattle about 8 months ago after graduating from college, and I took my car with me. Last month, I got rear-ended while driving on the freeway. The other driver was found to be at fault, and I got a check for my totaled car about 16.5K. At first, I thought Id replace my car right away, but then I started doing the math... and a month later, Im still waffling on the decision. Ive looked at cars but havent bought one, Ive thought about canceling my car insurance and paid parking space but havent actually brought myself to do so, Ive flipped back and forth countless times, and Im stressing because I cant make up my mind. RedditI need your advice!Logically, it makes perfect sense to give up the car. I now live in the middle of a big city, right next to a grocery store, and I can get just about everywhere using my work-issued bus pass, UberLyft, and ReachNow sort of like Zipcar. Since I lost my car, Ive been commuting to work on the bus, and thats been pretty convenient for the most part. The paper-napkin math says that I would likely save about 3-4K a year by forgoing the car. And, since Im at the start of my career, I know I have compound interest on my side...On the other hand, Im having a really hard time convincing myself to go carless. Somehow, having a car gave me a sense of freedom and spontaneity that I dont get from taking Uber, etc. I have a hard time getting over the sticker shock of, say, renting a car for the weekend, even though I know Im likely saving money in the long run. I also just find driving my car enjoyable and sort of therapeutic sometimes. Obviously its a luxury, and I cant decide whether these mainly psychological benefits are enough to justify the extra cash.Im 24, I have nearly 100K in various, mostly tax-sheltered investments not including the check for the totaled car, Im investing at least 40-45K a year going forward including my employers 401k matching, and Ive paid off my college loans. I also will likely inherit at least a few million at some point from my family, although I dont want to bank on this too heavily. Im looking at a lightly used car for about 21K out the door I would pay cash for the part not covered by the insurance check.TLDR: Stressing about whether I should spend on a car or go carless in a big city; help me decide, Reddit!Edit: see comment below  <response>: Theres no rush to buy a car. You have the means to do so anytime and you have the opportunity to try carlessness for an extended period. Id try without the car and see how much it can work for you. No car means no maintenance, gas, upkeep, parking, but it also means no car insurance which is expensive. Maybe set a time goal like try it for 6 months and then reconsider.They sell cars all year long and you can get one on short notice anytime you change your mind or think youve give it enough trial.Its a golden opportunity to try no car living. 