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If you can afford a car in NYC then you can afford the toll. Cars are very expensive to own.

If you could afford the car only just, it's quite obvious you can't afford it if you now have to pay congestion charges on top.

Technically true, but it's a megaluxury that comes at a high cost, especially to everyone else.

At that point you're already living beyond your means. Automobiles take up, on average, 15% of the gross income of the average American.

Just take the 15% gross salary raise and move on with your life.