<prompt> Human: First time car buyer. Some places recommend that 10 of your monthly income should be for your car payment. Some say 15 of your yearly earnings. What do you recommend? My yearly earnings will be around 28k. I was thinking 200 for monthly car payment would be sufficient, but Im unsure considering Ive never done this before!  <response>: Please NEVER look at a loanANY LOAN House, car,personal, etc, as Monthly cost this will only hurt you. always look at TOTAL COST. and compare from there. 