<prompt> Human: Hi reddit. Going to keep it short and simple for you.Im 19 making 19hour, working anywhere from 100-130 hours every two weeks pay period. I normally make around 2100 and after taxes take home around 1600. I have a student loan of 10,000, a provincial loan of 2,000, rent which is 500month, car insurance which is 200month, and a phone bill which is 100month. Oh yeah just two weeks ago I financed a 2015 Dodge Ram and owe 300 every two weeks. My job is stable but not much space of advancement or raises other than annuals. How screwed am I? Am I crazy for getting into this? Additional info - I went to school for weldingmetal fabrication so Ill always have work, and could probably find way higher paying jobs if I went and renewed my tickets-all my utilities are included at my apartment  <response>: To answer your question, yes you are crazy for spending 800month on a truck when you make 3200 a month. Take a look forward into the future and set some goals. Would you like to retire, ever? Would you like to buy a house? Are you sure you will continue to be secure in your employment and income? 