<prompt> Human: I am 22 and living with my parents in phoenix, my current job is about a mile away but my new job will be about a 30 min drive. I am Currently making 21k a year though my new job will bring me up to 29k a year. I am just wondering if its a good idea at all to put car payments on myself at this stage? It seems necessary with the long commute, but i may need my own place in a few months. I want something nice and modern but with affordable financing. I know the question is very broad but any advice or just sharing your own experiences with car loans payments would be greatly appreciated.  <response>: My 2 cents:Since youre coming from a low income, low cash savings position its key to keep your monthly expenses as low as possible. This allows you the option to rearrange spending or free up some emergency cash if needed. Be very hesitant with taking out loansfinancing, before you know it your sucked into a interestfees spiral which can be very hard to recover from. Most people who are in bad financial health get into trouble because to much money goes into recurring monthly expenses that they cant quit paying right away. Dont start upping your expenses based on a ill be making XXX thousand easy from next month on assumption. First get into the new jobposition and be hesitant until you receive a couple pay checks and get comfortable with the new position. Some times things just dont work out, and you dont have the emergency funds to take that kind of risk right now. 