<prompt> Human: We are newly married and currently have financial help from both sets of parents aka loan without repayment date or interest, i know how lucky we are We are soon going to be taking over the payments ourselves. I ran a very basic and generic expense calculator just to wrap my head around how much i believe we will be spending a year and it came out to 50,000. This seems like an extremely large number, is this typical for a couple? Keep in mind we live in NYC with its outrageous rent prices, although we do not live in manhattan. Here is my breakdown keep in mind some things i dont know how much will actually cost, since we are currently on parents health plans, car insurance etc. Everything is monthly unless stated otherwise. Rent- 1600 One bedroom, Utilities internet - 155, Health insurance estimate 6,000 year , Car insurance estimate 2,000 year, only one vehicle currently, Gas 160, Public transportation- 250, Parking spot 200, Renters insurance 450 year, Groceries 400, kosher meat is very expensive, Eating out 100, Gym membership 1100 a year for two, this is not a nice gym even, those are 1100 per person, Miscellaneous Medications, Drs co-pay, clothes, entertainment, cleaning supplies, work supplies, emergencies etc.- 400 estimate  <response>: That is extremely cheap for NYC yes even the outer boroughs, especially considering you have a car and a parking space. 