Driveway Pinpoint Test
Does the squeaking happen only β or get louder β when you apply the brakes? That's the wear indicator. Park, and look through the wheel spokes at the brake caliper. The pad should be at least ΒΌ inch thick. If it's paper-thin, it's time. Also: if the squeak goes away when it rains or disappears after the first few stops of the morning, it's likely surface rust on the rotors β normal on cars that sit overnight.
Fix-vs-Skip Money Panel
DIY Cost
~$35
parts only
Shop Cost
~$180
parts + labor
If you skip it
Worn pads left past the squeal warning quickly reach metal-on-metal contact β which is grinding rather than squealing. Rotors are destroyed within days, turning a $180 pad job into a $320+ job.