Retiring with two cars
Ive been struggling with the "best decision" for this and cant figure out what decision to make.
I am planning to retire early next year. We have no debt or liability. I would like to reduce expenses to the absolute reasonably minimum as possible. That means - not living like poor people but not being stupid either. Like netflix and Spotify for sure would get cut, but keeping two cell phones wouldn't. But changing cellphone plans to be lower cost plans is possible.
We have two cars a 2024 rav4 and a 2024 hiace wide body. The rav4 is for going around and the hiace is for transporting stuff (we own a farm, i have a workshop and move lumber or furniture sometimes, etc) . They are his and her cars. Neither car gets used a ton. Maybe 3000km on each a year. We live in the countryside and we both also have motorbikes that gets used primarily. Both cars are paid for. The hiace we have thought about using as a camping car and traveling around Japan a bit in retirement.
I contemplate what to do with the cars in retirement.
There are options
sell both and buy one smaller but not a death trap vehicle - still safe car. No kei truck
sell one
sell one for something smaller and still have 2
keep both and change nothing
find ways to reduce costs like dropping optional insurance and doing my own shaken but i have no idea the risks of this
Each car costs about $3000 a year just in optional insurance, taxes and shaken fees. Hiace gets like 6km/l and rav4 is about double that.
Its worth noting that my wife drives the rav4 and she probably wouldn't or couldn't drive the hiace due to its size and her just being a new and bad driver. So i would be taking some freedom from her. She really doesnt like driving any car at all to be honest but she will only drive the rav4 when shes forced to drive something.
I am just curious what a balanced perspective other reasonably minded people would take - keeping in mind both cars are paid for.
The cars can fit within a retirement budget but whether thats reasonable and logical or not is debatable. Especially when you factor that over 20 years.
Thanks