<prompt> Human: Im a 16 year old student with a job working 4 days a week, make 300-400 dollar on my regular schedule. I plan on buy a Honda HRV with my dad and we would split the monthly payments which would be between 100-140 between the both of us. Then state taxes, emissions, blah blah. but I also have to pay the insurance, which is still unclear at this point. Is this a good idea?  <response>: Save up and buy a beater. There is absolutely no reason for you to have a car payment. 