Oh, yeah, I forgot to add that was with a paid-off car so I didn't even count that. Bike-world would still leave me with more money and the same commute time, worst-reasonable-case. Plus the commute would also be exercise. And that's with personally making well north of 2x median household income for my city. Car-world works out much worse for the vast majority of 'burb-dwellers in my city.

[EDIT] FWIW, I was skeptical, is why I ran the numbers. He's so right, for the average person in (I'd bet) most US cities, that it's not even a close call, it turns out.