Unveiling the True Costs of Commuting: Insights, Technology, and Car Enthusiast Celebrations

Cost of Commuting and Saving Money

Speaker 1 0:01

Welcome to another In Wheel Time podcast , a 30-minute mini version of the In Wheel Time Car Show that airs live every Saturday morning 8 to 11 am Central . Well , it's been a fun .

Speaker 2 0:15

30 minutes and let's go into the next 30 minutes .

Speaker 1 0:18

From the Sugar Shack Studios in Houston , Texas , USA . It's the In Wheel Time Car Talk Show just ahead . Do you know how much your commute costs you each year ? We're going to find out . You may be surprised . Jeff has the cruise-in calendar and the events calendars and I'll bring you stories making automotive news this week . Howdy , along with Mike out of this world , Mars . We always need more , Jeff Zekin . Chief Engineer David Ainslie , I'm Don Armstrong . Thanks so much for joining us today . I'm going to try to do a better job in keeping us on time today , but I didn't do such a good job the last time .

Speaker 1 0:49

Or last week or last week . You know , I'm time challenged these days . I think it's the tight underwear I'm wearing now . That and the cold weather . Well , there's that , absolutely All right . Chip Lupo is an analyst with Wallet Hub . Chip , good morning to you , good morning gentlemen , hey , thanks so much for joining us . We appreciate you . Where are you calling us from ?

Speaker 4 1:11

I am here in Columbia , South Carolina .

Speaker 1 1:14

How's the weather up there in the Carolinas today ?

Speaker 4 1:23

Well , we just earlier this week we had our first snowfall and ice . About barely an inch on the ground here in Columbia , but enough to shut the schools down .

Speaker 1 1:29

It's a coinkydink . Yeah , that is quite a coinkydink , because we actually experienced the exact same thing here . We don't have snowplows here I don't know about you up there but no snowplows , and it was difficult and the city pretty much shut down for at least 24 to 36 hours , depending on what it was that was open .

Speaker 2 1:48

Yeah , we had our first official blizzard you did . We never had a blizzard in southeast Texas before , but it was here .

Speaker 1 1:55

And you can hear that accent there , chip we never had a winter blast here , blizzard .

Speaker 3 2:01

Blizzard . We had to shut stuff down here , Chip . You put the topping on it with the nuts it was a good blizzard .

Speaker 4 2:09

The state here is divided pretty much in two regions a low country and an upstate . The upstate where the greenville , spartanburg area going towards clemson , near the blue ridge mountains , they get a pretty good amount of snow . So the running joke around here is that there's one plow snow plow in all of south carolina and they keep it up there in green .

Speaker 1 2:26

Yeah kind of like it is here . Well , at any rate , we wanted to talk to you today about how much your commute costs , and we briefly kind of teased it earlier on , before we went on the air and the fact that you you look at gasoline , that's the obviously one either that or electricity , depending on whether you're driving an internal combustion engine or you're driving one with an electric motor . At any rate , you got to put energy in the car and that's going to cost you money . But so many times people forget about the fact that we got insurance , we got upkeep maintenance . Have you had a wreck ? Did you bump the fender ? You got to get that fixed . So there's all of these factors that go into it . On a commuter car and that's what we're talking about here is commuting price , and I'm thinking if people only knew how much that car actually costs to get you from point A to point B and back every day , I think they'd be amazed .

Speaker 4 3:29

Well , you're right and you hit on some of the key points . You mentioned upkeep . You mentioned insurance and just a routine wear and tear . The quality of your roads would have a lot to do with that . If you're driving on a road covered with potholes , you're going to be in the shop a lot more than you anticipated . But keep also in mind too , is that what you pay for your car the actual if you're . You know , I'm quite sure you , gentlemen , are not one of those who are foolish enough to pay sticker price for a brand new car . But the price that you pay is going to determine how much your insurance is going to be . And what people forget , too , also are if you're in a state where you're paying property taxes . In south carolina , you pay a county tax on your vehicle based on whatever numbers that the assessor put on it , but the more expensive your car , the higher your property taxes are going to be that's interesting because here in the state of Texas it's not based on property taxes per se .

Speaker 1 4:27

We have a set rate for your car and that goes all through the state . I think that mine this year was $77 to get a license plate for the next year . How much was yours ? Do you remember ?

Speaker 3 4:37

I don't remember . I got a new one , so it all kind of came together .

Speaker 1 4:41

Yeah , something like that , about $75 a year , but I know that a lot of them are based on well , there is a fee . I believe that the county that we live in takes out of that 75 . It's complicated , it's not just one fee that goes to one place . Yeah , it's multiple things . And , let's not forget , if you buy a gallon of gas , there's a lot of money that goes to the state , that's taxed onto that gallon of gas .

Speaker 3 5:08

So proprietors get very much yeah right , the gas taxes .

Speaker 4 5:11

There's a reason that gas is up . We're about six , seven dollars in california and in a state like texas where ranks pretty low on average gas about 278 a gallon even then . Even then , how much of that is going into taxes ? That's going straight to Austin .

Speaker 1 5:27

Well , that's right , and we're fortunate in the fact that we are an oil-producing state and the state of Texas has always kind of really given us , so to speak , a discount . They're very aware of where their money comes from . Yeah , very much so . So you know , we don't have property taxes because it's an oil-producing state and we get our revenue in different places .

Speaker 3 5:53

yes , Did he freeze up ? He's frozen .

Speaker 1 5:59

He's frozen oh am I ?

Speaker 4 6:01

No , I'm still here , guys .

Speaker 1 6:02

Okay good , all right , you were just listening . So what is it that we can do , besides the obvious , to reduce the amount of money that we pay commuting ? You still got to have insurance , you still got to have fuel money . However , the only thing that I can think of is , if you're , if you're driving let's just take , for instance , a pickup truck , because here in texas , pickup trucks are all the range , all right , state vehicle yeah , pretty much . And the fact that , generally speaking , pickup trucks , even though they've got a v6 most of them still today have V8s that didn't really go out of style or fashion here in the last couple of years , and that thing's going to get , I don't know , 13 , 14 miles to the gallon . Well , what do you do then ? I like my pickup truck . Well , what can you do to cut back on the cost of the pickup truck ? You're not going to sell it , you're going to keep it .

Speaker 4 7:10

You follow my thinking oh , absolutely , but a couple of them . They're drastic at best , but , um , consider commuting to a job closer to your home or moving closer to where you work . That's one thing . Carpooling it's not in fashion like it was a few years ago , but that's an option . Carpooling , maybe a combination hybrid working from a combination working home and in the office and GPS , is a wonderful thing . You can maybe plot some shorter routes . Maybe there's some routes that maybe might add a mile or two onto your trip but would save you time , therefore save you gas money .

Speaker 1 7:54

Yeah Well , I think that if you really put your mind to it , you could really save some significant amount of money over a year period of time . Maybe , perhaps , if your car is more than three years old and you use it mainly for commuting , perhaps taking that pickup truck and trading it in , get top dollar for it . Step down and get yourself a hybrid . I had a hybrid the other day . 40 miles to the gallon , I didn't have to worry . It was not a plug-in hybrid , it was just a hybrid . I didn't have to worry about trying to find a charging station . It did it all on its own and got 40 miles to the gallon . Was it a race car ? Absolutely not , but it wasn't who drives the race car to work . So I mean , you follow my thinking there . Maybe perhaps over a year or two period of time , you could save some significant money if you would maybe use an alternate method of commuting .

Speaker 4 8:54

Oh , hybrids are perfect idea for for general commuting if you live in an area where work and shopping are fairly close . But the flip side , if you're commuting long , long trips or if you're in a job where you're traveling constantly , a hybrid may not be as good an idea , other than for the gas cost of it yeah , yeah , yeah , I need my truck , I need my truck , I gotta keep my truck , I got to keep my truck .

Speaker 2 9:18

But to your point , over the course of a year most people don't think about saving a dollar or two here . Over the course of a year it's oh , I can go down here and save a couple of dollars . That's not too big a deal . It's not worth my time and effort .

Speaker 4 9:31

But if you do that 100 times a year , Guys , one thing I noticed a couple of weeks ago one of my best friends got a brand new Toyota Tundra pickup with a turbo V6 .

Technology and Cost of Commuting

Speaker 4 9:46

And he's still figuring out the bells and whistles on it . But he found out the hard way is that if you're sitting at a light or in traffic , it automatically shuts off . There's kind of a kill switch or something in it that'll make it .

Speaker 4 9:57

Yes , the auto start-stop feature yeah , absolutely kill switch or something in it that'll make , yes , the auto start stop feature ?

Speaker 1 10:00

yeah , absolutely , and and um , you know when , when I started getting uh demo cars to drive and and review , uh , I hated it and uh , today , and I used to turn it off today I don't do that as much because I want to get the full experience of it and , uh , most of them you have to actually hit the button to turn it off . Now I get the full experience of it and some of those cars , when the engine comes to life , it'll shake the entire car . Other ones you don't even recognize it , don't even mess with it and it won't cost any more than the other one .

Speaker 3 10:37

I turn mine off every time I start . I put the seatbelt on , first the car and then I turn it off . Uh , I get 28 to 28 and a half miles to the gallon in the city . I've gone as high as almost 33 on the highway yeah , I'm fine with that , have you ?

Speaker 1 10:53

have you tried a tank by not turning ?

Speaker 3 10:55

it off . No , I just don't like that feature . I just don't like that .

Speaker 2 10:58

Yeah , you know , I went to a demo one time um , and I believe it was chrysler when they first started really doing that and they showed how much you know , like over the course of a tank of a gas . The amount of gas that you're actually saving is pretty minimal , but they look at it over the course of a hundred thousand vehicles that they're going to build that year is how much fuel and actually it all gets saved . And that was several years ago when they first started that feature , so it may be even more now with all the hybrids and the electric help processes they have to get the cars going . Yeah , yeah .

Speaker 4 11:32

So the other thing , gentlemen , about technology , though , is that the more technology , as my father my father was a mechanic for 35 years , and he cringed at the idea of power windows , and back in the 80s- oh yeah would say basically . So that's just more things to go wrong with it and the more technology those are going to create , increase your maintenance costs , because these things are not cheap , even if you happen to be driving a ford f150 as opposed to a toyota tundra chip .

Speaker 1 11:59

I challenge you to find a car that has crank windows today . I think that there may be two or three manufacturers that still make crank windows for their bottom-of-the-line car that they've been building for 50 years , but they're not built here in America . Well , it doesn't make any difference , they still build it . And I will tell you that I have gotten used to power windows and my daughter's 2007 Ford Focus . I bought it because it had crank windows , because it was cheap .

Speaker 3 12:31

You , can get the modern , old , new , old stock , whatever you want to call it , where you have an actual handle on the door like a crank handle , but it's actually your window . You push it down . The window goes down . You pull it up there's an actual handle .

Speaker 4 12:48

So , chip , I want to know a little bit more about WalletHub and what you guys do . Well , we are primarily a personal finance website and we offer a wide array of services , such as free credit reports , free credit scores , budgeting apps , personal finance advice . But we do conduct a number of surveys that have to do with personal finance to give folks an idea of where their money is going and how much things cost . Studies like this one , and my job is to sit here and chat with you , gentlemen , and kind of break things down into plain English .

Speaker 1 13:17

Well , you know , when it comes to dealing with us , I'm glad that you may have to start taking some sign language courses , because we're kind of like hard-headed and tough to get through to some . We repeat stuff a lot . Does it cost money to get the information from WalletHub ?

Speaker 4 13:38

No , totally free . Free credit reports and the credit scores are updated daily . Your TransUnion credit report's available and there's just a wealth of products that we have out there . We have a car loan payoff calculator . You can type in your numbers if you're looking to buy a new car . Figure out how long it's going to pay , how much you'll be paying in interest . There's just a wide array of products that we have out there . If you're looking to buy a new car , figure out how long it's going to pay , how much you'll be paying in interest .

Speaker 1 14:03

This is a wide array of products that we have out there . How does WalletHub make its ?

Speaker 4 14:06

money . That's a good question . We do a lot of credit card reviews and reports and of course , we are compensated every time someone applies for a credit card or a banking product link linking from our website and I'm not familiar with total ins and outs , but that's pretty much the gist of it .

Speaker 1 14:27

There's a commission involved , like affiliate listing yes , exactly , partners so the article is 2025's best and worst states to drive in . So if you are a shoe salesman and you drive state to state , we can go around those states that cost you more money to drive in .

Speaker 4 14:48

Well , guys , it's relative in a way , if you think about it , because you guys are in southeast Texas , but wherever you live is the worst place to drive . If you're driving to school or if you're driving to work , your city or your state is the worst place for driving .

Speaker 1 15:05

It's funny how that works out that way . Yeah , most definitely . Well , chip , it's great to talk to you . We really appreciate you taking the time to talk to us today . Stay in touch . When you've got some new product that you want to talk about , give us a ring and we'll get you on .

Speaker 4 15:19

I

Car Events and Industry Updates

Speaker 4 15:20

look forward to it . Gentlemen , you all have a great afternoon . You do the same , thank you . Thanks so much .

Speaker 1 15:23

Chip Lupo with Wallet Hub . I'm going to have to go there .

Speaker 2 15:27

Yeah , do that . There's a couple things I heard him talking about .

Speaker 3 15:31

Yeah wallethubcom . I knew a guy that found out from his insurance company that accidents happen within 25 miles of your home , so he moved .

Speaker 1 15:41

Good Thank you , Jeff , for that .

Speaker 3 15:44

Yes .

Speaker 1 15:45

You know , Insightful , Uh-huh Insightful , and it really makes me think . On a Saturday morning Coming up , Jeff has the cruise-in calendar and the events calendar as well . I'll have the stories making automotive news headlines . Thanks for joining us on the award-winning In Wheel Time Car Talk Show . We'll be right back .

Speaker 1 16:07

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Speaker 1 17:02

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Speaker 1 17:25

Gulf Coast AutoShield is where Houston's car people go . Curbed your wheels . Instead of buying new , why not have them repaired ? How about a professionally installed radar detector ? Gulf Coast AutoShield does that too . Get a peek inside the shop and look at the services offered by getting online and heading to gcautoshieldcom . Better yet , stop by their facility at 11275 South Sam Houston Tollway , just south of the Southwest Freeway , and get a personal tour . Gulf Coast Auto Shield is your place to go for all things exterior . Call them today 832-930-5655 or gcautoshieldcom . 832-930-5655 or gcautoshieldcom . Hey , when you download our app , you'll have access to the In Wheel Time Car Talk program 24-7 . Just look for the app store and check us out on the Odyssey radio app , where you can stream us in your car Podcasts available from your favorite podcast provider , including SiriusXM . The weekly video stream of our live shows on Facebook , YouTube and InWheelTimecom . Catch it 10 to noon Central Time every Saturday morning Time . Now for the cruise in and events calendars you betcha and guess who has that ?

Speaker 3 18:30

I got it , it's troublemaker Jeff . Zekin . So these are for February 1st , which is next weekend . Gears and Grounds . Join fellow car enthusiasts on February 1st for Gears and Grounds . Join fellow car enthusiasts on .

Speaker 1 18:40

February 1st for Gears and Grounds .

Speaker 3 18:41

Oh , I like that I like that name . It's at the Shop Club in Houston . The gathering promises a display of a wide variety of vehicles , including classic cars , sports cars , exotics , race cars , imports trucks . They're either lifted or lowered one or the other Gears and Grounds occurs every first Saturday of the month from 8 to 10 . But of course they probably go over to 11 , 12 , whatever the case , because people hang out . This is at 13150 Brenton Ridge Street in Houston , again February 1st , 8 to 10 . Then you got the Kingwood Classic Cruisers Cars and Coffee . Join Kingwood Classic Cruisers every Saturday morning at the Whataburger who doesn't like Whataburger Michael ? From 730 to 1030 . Again , it probably rolls over a little later . So it's at 4545 Kingwood Drive in Kingwood , texas , 8.30 to 10 . Conroe Cruisers again February 1st , conroe , montgomery County . All these folks really know how to put on a show .

Speaker 3 19:29

Saturday Night Cruise . So this is an evening one . It starts at the Kroger Marketplace parking lot at 341 South Loop , 336 West , on Groundhog Day , the 2nd , which is Groundhog Day , right February 2nd . Woodlands Cars and Coffee for a Cruise for a Cause . This is a good event . It's from 6.30-ish to 10.30-ish in the morning . Continued efforts , fun , creative ways to bring back things to the community . They take donations and things for the different charities they have . The purpose is providing a charity of car displays show off special vehicles supporting of that particular area in Montgomery County . It's at the Market Street in the Woodlands , at Uni Sushi , at 9595 Six Pines Drive , uni Sushi . There you go . So you only get one , don , that's Uno . Sorry , that's a game . Spring Texas , february 2nd . Now , because it's Groundhog's Day , I'm going to read it again . So there you go , thank you .

Speaker 1 20:26

You ever heard of a guy by the name of Hal Spurlick ? We're about to find out . Yeah , no , so Hal Spurlick has died . The template that Hal Spurlick , an engineer turned product development ace , used to create the Ford Mustang in the 1960s and the Chrysler minivan in the 1980s still works today . Spurlick's first recipe was simple Create eye-catching , segment-busting vehicles by modifying existing platforms with unique bodies and keep costs under control by using as many off-the-shelf components as possible . Spurlick died January 20th at the age of 95 years old . Let's see . He was the last surviving member of the core team of executives at Ford that created the Mustang . Ford Motor Company CEO , jim Farley , in a statement , called Spurlick a product visionary who never played it safe and was always focused on the white space and improving the company's capability .

Speaker 1 21:27

In his 2013 interview with Motor Trend , spurlick had more parting advice for the industry's newest leaders . Nobody is innovating , creating new segments , he told the magazine . Look at my history Mustang never done before . Fuel-efficient front-drive cars for America never done . History Mustang never done before . Fuel efficient front drive cars for America never done . Minivans never done . It was going outside of the rear view mirror segments . A lot of new niches are possible . So I normally don't do that , but that struck me as a guy that he was kind of . You know . You always hear of Lee Iacocca Ford Mustang , but here's the guy that actually made it happen the guy behind the guy and he ultimately got fired from Ford because he poo-pooed the Edsel , and we all know what happened with the Edsel .

Speaker 1 22:15

It was poo-poo , yeah . President Donald Trump said he planned to impose previously threatened tariffs of as much as 25% on Mexico and Canada by February 1st , reiterating his contention that America's two immediate neighbors are letting undocumented immigrants and drugs flood into our country . We are thinking in terms of 25% on Mexico and Canada because they are allowing vast numbers of people into the US , trump said in a response to questions from reporters in the Oval Office on Monday night I think we'll do it February 1st . Trump also ordered his administration to consider eliminating subsidies and other policies that favor electric vehicles , laying the groundwork for moves that risk slowing adoption of EVs in the US , european , asian auto companies likely to be affected by Trump tariffs . So we got that working as well .

Speaker 2 23:10

Lots of stuff .

Speaker 1 23:10

Yeah , stellata said it will move ahead with plans to build a midsize pickup truck at its long idle assembly plant in Belvedere , illinois . In a memo obtained January 22nd by Cream's Chicago Business , an affiliate of Automotive News , the automaker said it will build the new truck and return approximately 1,500 UAW-represented employees to work there . The company did not provide a timeline , though the UAW announced Belvedere will build a new midsize truck starting in 2027 . Finally , thank you , thank you , thank you , and I've said the story before and I'll repeat it again . You know , every time I go to Wisconsin to visit relatives up there , I fly into Chicago and then drive up to Janesville , wisconsin typically , or Milwaukee somewhere in there , and I go right past that Belvedere plant on the road up to Wisconsin big highway . That plant is massive and it sat there now for years vacant . You drive by it and all I can think of is the number of employees that it provided a living for for all those years and what has happened to those 1,500 or 3,000 people that work there .

Speaker 3 24:22

To your point , there was a thing on the news just past , like Tuesday or Wednesday , about that plant and that most of it is in disarray , falling down , so it's going to take a lot of work to get it going before they can even start again , right ? So they're going to have to basically rebuild the plant .

Speaker 1 24:35

Pretty much . Yes , I knew that and you know , originally , when that moron that was the CEO said oh yeah , we're going to do it so they could keep the UAW off their back , yeah , and they didn't do it , and have you heard anything from them lately ?

Speaker 3 24:50

No , the UAW , no .

Speaker 1 24:52

No , not a word . That's a sore subject . I think yeah , and especially among the UAW rank and file .

Speaker 3 24:59

I think they're trying to get rid of their leader . I think I don't know . I keep hearing rumblings about that , yeah scuttlebutt .

Speaker 1 25:07

Donald Trump's first moves on electric vehicles , including the revocation of an executive order that called for 50% of all new passenger cars and light trucks to be zero emission by 2030 , to be zero emission by 2030 , signal the direction of his administration , but on their own , won't immediately change policy . In addition to revoking the order , he called for a pause in the release of funds under two federal acts of legislation the Inflation Reduction Act and the Infrastructure Investment and Jobs Act . So the $7,500 that you were getting back from your taxes and all that stuff , yeah , not going to happen . No , not going to happen . And I've always been a proponent of the fact that , hey , you're going to build a vehicle , let's make it right spot on with all of the others , compete head to head . It doesn't make any difference what it is that you're trying to motivate that vehicle with , whether it be electricity or gasoline or hydrogen or whatever . It needs to compete with all the other vehicles head to head . If you can't build it , they can compete with , let's say , the kia kv , k , uh , k5 .

Speaker 2 26:15

then rethink it , make it competitive with it it's just me I think I , you know if you think back , we're old enough to think back that there was a time whenever that seemed like what they were doing I'm living in the past .

Speaker 2 26:29

But once you get outside forces like the government involved in trying to tell them what they can and can't do , then you start restricting what they're able to do , and so I think in a free capitalistic market , you've built stuff that people would buy If they didn't want to buy it . You figured it out and you quit building it , and it's not that way right now , or it hasn't been . For the last few years it's been very , very focused on what somebody else wants . We want you to build this . We don't care what people want to buy . You're going to build this . We don't care what people want to buy , You're going to build this .

Speaker 1 27:03

Well , in my world , you know , I grew up with the big three period , that's it . Then along comes Volkswagen with the bug , then along comes Toyota with the Corolla Honda first , then Toyota Honda . Well , asian market , and so , little by little , they've been eating away at it because they were competing head-to-head with the US market which , let's face it , it wasn't all that to talk about back in the day .

Speaker 2 27:28

But it's all we knew at the time . That's correct .

Speaker 3 27:30

Well , you say that because when they were introduced and the imports were coming , the JDM , so to speak , was during the oil crunch . So that was their opening . If it wasn't for that , they would have probably been a little bit behind with the big three , I think with the oil and the embargoes and the gas lines . That's when the imports started to explode , because they built smaller cars more efficient cars , but it was still the same thing .

Speaker 2 27:54

People made the choice Do I want to drive my truck Right or do I want to go buy a Toyota Corolla that I can buy gas for for the rest of the ?

Speaker 3 28:01

week . Well , you'd have to buy your truck if the oil embargo didn't happen . You would be driving your truck anyways .

Speaker 2 28:06

So everybody switched to the but that's why you had a choice .

Speaker 1 28:10

Hey , we'd love to hear from you . Just shoot us an email . The address here is info at inwheeltimecom . We'll be right back .

Speaker 1 28:17

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Speaker 5 29:17

From the open roads to the open waters . Your adventure starts at the Houston Auto-Botive Show at NRG Center . One ticket , two shows . Check out top cars , trucks , sport boats , fishing boats and more . New designs , new technology and everything in between Spectacular experiences , amazing fun . There's something for everyone . Get your friends , get your family and get your tickets now . The Houston Auto-Botive Show making waves and fueling adventures .

Speaker 1 29:48

That's it for this podcast episode of the In Wheel Time Car Show . I'm Don Armstrong , inviting you to join us for our live show every Saturday morning on Facebook , youtube , twitch and our InWheelTimecom website . Podcasts are available on Apple Podcasts , spotify , stitcher , iheart Podcast , podcast Addict TuneIn , pandora and Amazon Music . Keep listening and we'll see you soon .