Someone wrote an article explaining how to afford an electric vehicle by using credit cards and shopping for insurance. This counts as financial advice in 2026.
The logic works like this: gas costs too much, so buy a car that costs more than gas would cost you in seven years. Then offset the damage by earning 2% cash back on charging stations. Revolutionary stuff. Adam Smith is clawing at his coffin lid trying to get out and applaud.
Credit card rewards exist because you're bad with money. The issuer knows this. They've modeled your behavior down to the penny. They offer you points because the math works in their favor, not yours. But sure, chase those rewards on your $50,000 vehicle purchase predicated on volatile energy prices that'll shift the moment everyone switches to electric and grid demand goes parabolic.
The insurance tip is even better. Shop around for EV-specific policies. Fantastic. You know what's cheaper than special insurance for your electric car? Not buying a f*cking electric car because gas went up a dollar.
This is personal finance journalism at its peak. Take a massive capital expenditure decision driven by short-term price movements and dress it up with rewards optimization tactics that'll save you maybe three hundred bucks a year. The same people who couldn't figure out a Roth IRA are now supposed to navigate EV tax credits, charging network monopolies, and battery degradation curves because they got scared at the pump.
The best part? Gas prices will drop. They always do. Then you're stuck with a car you bought in a panic and a credit card you opened for charging stations you'll resent visiting. But at least you'll have the points.
Photo by CHUTTERSNAP on Unsplash
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