<prompt> Human: Boyfriend is 22, just got a job - actually his first one. Hes bought everything himself his entire life. His parents however are fairly well off but only pay for one thing, his phone bill. Ill give him credit that hes been fairly smart with money and always saved up. His monthly expenses are as follows:- 250 student loans- 250 gas- 8 netflixHe has been driving a yr 2000 chevy that honestly is a beater. The transmission actually died on it last month and he had it replaced even though the car was totaled. That cost about 1600.Anyway, he just got a new job making 32,000 a year and while it has full benefits including a 401k, hes been showing me the numbers and telling me he can buy a 35,000 car - which is one hes really wanted for the past two years.Doing the math he figured he pays about 667 in taxes a month, and that at 4.0 interest with 10,000 down, his payments would be about 550 for the car, and 250 for the insurance. So, I did the math with him and totaled EVERYTHING up. It came out to 22,000 - taxes, gas, netflix, insurance, and car payments.I just cant help but think hes wasting a considerable amount of money and shouldnt do this. But he wont listen and says hell save 50 of the remaining 5000 every month and the other 50 hell budget for expenses. So thats 400 guaranteed savings and another 400 for whatever expenses less than 100wk.I want to show him this thread so Im hoping I can get some good feedback from much smarter people that arent me. His parents are the type of people who dont care what he does because its his life but have 100 said they wont give him a dime.EDIT: also to be fair to him, he keeps track of ALL of his expenses on his phone. He totaled up the past 18 days of the month and it came to a whopping 115 not including gas since he already accounted for that.EDIT Wow this is got big. I have shown my boyfriend the thread:- Yes his parents pay for everything else and are okay with him living home for the next five years- He is working in tech and as everyone knows after a year of experience they usually receive big jumps, although he is starting out with a bad salary for his specialty I guess thats what its called he is working with something else and they are training him.- regarding the car: he said hell re-evaluate in june. he cant use it to tow a jetski in winter anyway. so basically, hes going to wait and see if he gets a raise in 6 months, if he can live off of a 1000 a month budget, and how much he has saved up by june. he said that he realizes how stupid it is now but I dont even buy clothes more than once a year so those are literally my only expensesAs for why I mentioined the past 18 days of expenses in the OP - he has tracked it month to month. From september to november first he spent 200 total! its usually less than 115 but not always.Thanks for the help though  <response>: Trust me, I bought a new car about two years ago. I was in a tight spot with my old ride collapsing and no raw to go buy something cheap that would run. Long story short I financed just shy of 24K, my car is nice enough but a 360 dollar car payment sucks. I cant imagine how much worse a 35,000 dollar car would be. I would have so much more spending money if id just fixed my POS van and saving is a joke that I cant even fathom. Also his expense list seems very light? Does he currently live with family? Might he be wanting to move out in the near future? Id Consider that carefully before a big purchase as rent food medical expenses or a host of other expenses could quickly eat up the spare room in his budget 