I lived in a blizzard ridden area using just a 250cc motorcycle, year round, including riding it on the interstate. Layer enough layers, use heated gloves, etc you can easily get by with just a ninja 250, you're not going to burn more than $3-4k a year on that no matter hard you try.

You don't actually need a car unless you have a child or a tradesmen with tools or something like that, a small displacement motorcycle will still take you to 99.9% of the jobs in the lower 48.

"You don't need money if you just do this recklessly dangerous and uncomfortable thing."

(don't worry about how to pay the ambulance bill when you hit some black ice..)