<prompt> Human: I got a pretty good job making 50k a year and I want to really start saving. Im 24 and still live at home and parents want me to stay. My biggest debt is 29k for my car. I know I know. But cars are my thing. Theyre my hobby. Theyre my life. Is it more than I can afford? No. Is it expensive and stupid to some? Yes. Car is financed for 2.49, I can go to my credit union and get it refinanced for 1.49 which I plan to do this month. After that I have a loan for a few hundred dollars at the same credit union. Thats at 3 and should be paid off next month. After that no debt whatsoever. Bills are:450 a month for car 110 insurance 100 phone. Gas changes since it depends if Im going on a trip or just lots of driving. Remember, cars are my thing Im adding 200 a month to my deferred comp as I got on my feet with the job and will bump up soon unless theres a better way to do it. Where should I start so that when I hit my 31 years with the job at 55 I can walk and be good with my pension and my retirement fund. Thank you  <response>: No. you cannot afford the car. Its all sort of stupid and way out of ratio. The interest rates are moot, the fact is you have 60 of your annual earnings in something that goes down in value.On top of this, your funding this stupidity on your parents backs. Im probably going to get downvoted to hell for this, but move out of your parents house and be an adult. Its short term frugal but developmentally stunting as you maintain being a child. 