<prompt> Human: Heres the situation. I own a 2016 SYM wolf motorcycle that I purchased two and a half years ago. The bike cost about 12-15 a month for gas and 110 a year for insurance. I have spent around 400 yearly for oil changes, replacement parts and labor. I have put a little over 8000 miles on the bike. I have also spent on average 150 on lyftgas for my gfs car for the days and sometimes weeks we get heavy rain. Overall Im really proud that my total transportation costs remain under 1000 each year. Im afraid that if I purchase a car the 1000 dollars will not even cover car insurance. My plan is to keep using my motorcycle until finish paying off my student loans 12,000 left!I have over 6000 cash saved, so my girlfriend has suggested purchasing a car because it is more reliable and safe. Im hesitant because I think its not worth the long term costs. Im in need to update my motorcycle gear so Im looking to make a concrete plan. I would appreciate your input on the following questions. Should I sell my motorcycle now before further investing in any way and purchase a used reliable car for 5000? Should I wait until I have paid off my student loans at max 1 year and then purchase a used reliable car for 5000. Should I wait to save up to buy a car in better shape like 8000?Should I free myself from the idea that I need to own a car? Like is it reasonable to keep lyfting when it rains? To me it seems worth it, is there something Im overlooking?  <response>: Strictly from a financial perspective, keep the bike. You seem happy with the current setup.Now, the safety aspect is whats tougher. A car is likely safer, not just from weather, but from other drivers. I cant speak to that. 