Here's a retirement question nobody puts on a planning worksheet.
What happens the day you stop driving?
Not "stop being independent." Just stop driving. Night vision goes. Reflexes slow. A doctor says something. Or you simply don't want to anymore.
Most retirement math assumes a car forever. Retirement lasts 20 to 30 years. Cars don't.
A house that feels convenient at 65 can feel like solitary confinement at 78 if every single errand requires keys.
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Losing the ability to drive in a car-dependent suburb doesn't cost you a car. It costs you your grocery store, your doctor, and your friends.