Usually I need to be at work 08:00 or 08:10. Furthermore, the same trip by car takes approximately 30-35 minutes during rush hour. This means my car saves me approximately 1-3hrs every working day (valued ~4k€/yr based on my current wages).
My car cost ~1k€ 8 years ago and maybe an additional 1.5k€ maintenance per year (a lot of which I do myself) + 2.5k€ fuel + insurance + tax - compared to 800€ for a public transit card.
Our family home is valued at 110k€, the same money would buy a 1 room studio apartment in the city.