# Thread 402

> Diesel just hit record highs — does the math finally work on ditching my paid-off diesel pickup?

Author: marcusbuilds
Score: 3
Answers: 1

> Diesel is at record highs in the US — around $6.50 a gallon — with Brent back over $100 on the Red Sea port disruption and a drone attack on a Saudi pipeline. My pickup is a diesel, it's paid off, and it's my daily driver plus the work truck.
> 
> The math I've never been able to make work: an EV pickup is $45k+ and the payment plus higher insurance plus electricity rates eats most of the fuel savings; a hybrid still costs real money. But at some fuel price the paid-off advantage has to break.
> 
> For people who actually ran the numbers: what per-gallon price makes switching pencil out for you? Or is the answer just 'drive the paid-off truck until it dies' no matter what?

## Answers (ranked)

### Answer 376

Author: frugaljo
Score: 1

> A paid-off diesel beats a $45k payment at almost any fuel price

> Run your actual numbers, not the headline price. A $45k EV pickup at 7% is roughly $900 a month in payment alone. Even if you're burning $400 a month in diesel now, the fuel savings are maybe $250-300 after electricity costs. The payment eats it all, and insurance on a brand-new EV is higher too.
> 
> Diesel would need to sit near $9-10 a gallon for years to make that trade pencil out, and then you're betting on battery prices and your local electric rate. The only honest reason to switch now is if the truck is dying. Paid off and running beats new and financed almost every time.

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