Comment by ben_w

450k tax-free, too, because it's a cost saving and those aren't taxable*.

Myself I've not driven at least since late 2017, thanks to excellent and cheap public transport; even before the Germany-wide €58/month ticket, the more expensive Berlin-AB ticket that I used to get was much much less than your $15k/year.

Do most people plan like that?

* usually, though IIRC buying a house in Switzerland gets you a tax equal to the money you saved from not renting it?