The Receipt
Cars are culture.
HUSLLYFE treats automotive culture as the visible expression of progress—engineering, design, ownership and the stories behind the machines.
Garage
Know the machine.
Buyer guides, ownership costs, reliability, modifications and the cars worth building around.
Culture
Know why it matters.
People, style, music, cities, fitness and ambition—the culture surrounding the drive.
Live from your Garage
Your Drive Score.
Maintenance discipline per car, and one affordability question for the whole fleet: do the cars come out of surplus, or out of your future? 20% of your HUSLLYFE score. Add or edit vehicles on the Garage page.
Drive Score
—Drive
Cars / Income
—
—
Target
≤15%
≤15%
UPKEEP (per vehicle) = 100 × maintenance_factor
Upkeep is maintenance discipline and nothing else. What a car costs
to run is an affordability question, and affordability belongs to the
fleet, not to any one car.
maintenance_factor blends what your records show with how much
of the schedule they actually cover:
kept = 0.80 + 0.20 × (health of the services you DO log)
coverage = services with history / services on the schedule
factor = 0.94 + (kept − 0.94) × coverage
nothing logged → 0.94
one fresh oil change, nothing else → 0.95
whole schedule, all current → 1.00
whole schedule, all overdue → 0.80
DRIVE SCORE = average(upkeep) − affordability
AFFORDABILITY asks whether the cars come out of surplus or out of
your future. Both halves are decisions you make:
cost_share = annual running cost of the fleet / gross income
over = max(0, cost_share − 15%)
charge = over × 2.2 points per point
relief = how close you are to the 15% savings GUIDELINE
(not your personal savings target — raising your own
bar must not cost you points on your car)
(waives up to 65% of the charge, never all of it)
It is charged ONCE on the whole fleet — splitting the same money
across two cars does not dodge it.
WHY NOT NET WORTH. This used to be fleet value against net worth,
free to 15%. That is the wrong denominator for anyone who earns well
and has not finished accumulating: a 32-year-old on $220,000, saving
a quarter of it, lost 39 points for one immaculate sports car, while
somebody with a cheap car and no savings habit kept a clean 100. Net
worth is largely an outcome of age and inheritance. What you earn,
what the cars cost you and whether you keep saving are decisions —
and decisions are the only thing this site grades.
If you have not entered a gross income on the Wealth page, or no
vehicle has an annual running cost, the old net-worth ratio is used
instead and the panel above says so. No new inputs are demanded of
anyone who was happy with it.
Upkeep is maintenance discipline and nothing else. What a car costs
to run is an affordability question, and affordability belongs to the
fleet, not to any one car.
maintenance_factor blends what your records show with how much
of the schedule they actually cover:
kept = 0.80 + 0.20 × (health of the services you DO log)
coverage = services with history / services on the schedule
factor = 0.94 + (kept − 0.94) × coverage
nothing logged → 0.94
one fresh oil change, nothing else → 0.95
whole schedule, all current → 1.00
whole schedule, all overdue → 0.80
DRIVE SCORE = average(upkeep) − affordability
AFFORDABILITY asks whether the cars come out of surplus or out of
your future. Both halves are decisions you make:
cost_share = annual running cost of the fleet / gross income
over = max(0, cost_share − 15%)
charge = over × 2.2 points per point
relief = how close you are to the 15% savings GUIDELINE
(not your personal savings target — raising your own
bar must not cost you points on your car)
(waives up to 65% of the charge, never all of it)
It is charged ONCE on the whole fleet — splitting the same money
across two cars does not dodge it.
WHY NOT NET WORTH. This used to be fleet value against net worth,
free to 15%. That is the wrong denominator for anyone who earns well
and has not finished accumulating: a 32-year-old on $220,000, saving
a quarter of it, lost 39 points for one immaculate sports car, while
somebody with a cheap car and no savings habit kept a clean 100. Net
worth is largely an outcome of age and inheritance. What you earn,
what the cars cost you and whether you keep saving are decisions —
and decisions are the only thing this site grades.
If you have not entered a gross income on the Wealth page, or no
vehicle has an annual running cost, the old net-worth ratio is used
instead and the panel above says so. No new inputs are demanded of
anyone who was happy with it.