I missed this thread when it was new but wanted to chime in.
First off, congratulations - I think you made the right decision.
I have been car-less for at least 15 years. I have a bicycle and a scooter (1 person-power type - not electric).
I also have a monthly Transit pass which gets me almost anywhere I need to go and costs me $85/month. Compare that with an estimate of $400-$500 per month total expenses for a car. If I need to take the occasional cab/Lyft ride I am still way ahead of the game financially. That’s money which is going towards retirement.
Plus I get more exercise than I would if I had a car. And I contribute far less in terms of emissions to our over-worked planet.