<prompt> Human: If I include car payments in my transportation percentages, its about 33 or 535 of my 1600 net monthly income. That includes 120 for gas, 210 for car insurance, and 205 for my car payment. Am I spending too much on my car for my budget? I just bought my car in July but feel like maybe I made a too speedy purchase and should consider trading in next year and buying something for like 6000 instead rather than 12000.  <response>: The 15 is all automobile related expenses. This includes the loan. Youre spending too much on your car for your income level. 