<prompt> Human: Im 18 and I live with my parents. Theyve provided a nice car for me as well as a smartphone and a roof over my head. Ive started to feel guilty about not chipping in to pay for any of this and I feel that I have enough money to actually start helping out.As of right now I deliver Chinese food for money and I get paid roughly 12-20 an hour depending on tips. Thing is I only work 3 days a week because I go to community college and Im afraid if I work any more days then itll affect my school work which it has, according to last semester. With that, I only make about 500 a month. Altogether, my parents say that all of my expenses add up to exactly 810 a month. Breakdown: Phone Bill: 135 Car: 260 Rent: 200 Insurance: 350This actually adds up to 945, dont know why they told me 810.Does this look.. appropriate? How can I help drop the price of my expenses? On the other hand, Ive got about 6600 in my savings account from.. well saving so Ill be good for a while, but I dont want to just watch my money slowly fade away. EDIT: Thanks for all the replies! The real reason I hatched this idea was because Im kind of sick and tired of my parents always pulling the you dont pay for anything card when we argue. Im going to talk to my parents and let them know that I appreciate their hospitality, that Ill start by only paying my car insurance for the moment. Over time Ill start chipping in more suck it up and continue living off them financially. Theyve never straight up asked me to start chipping in, so Ill shamefully take advantage of that and continue saving until the time comes.  <response>: Jeez folks...OPs parents buy nicer things because they can afford to do so. OP, a just-starting-out 18 yo, cannot. A 20k car, with 25 5k down at 1.99 263mo. That seems perfectly reasonable. Its hard to find 0 financing on civics. And 20k for a civic bought new seems right. Can a then-15 yo OP afford a new car as a newly turned adult? Unlikely. Does that speak poorly to OPs parents thought process about how this was going to work? Possibly, if they ever expected him to take over the car loan. Or, OPs parents could afford another new car and gave the Civic to him. It is unreasonable to expect that OP would make this decision for himself, given his circumstances and, as such, its unfair to expect him to pay for itCar Insurance: That seems high, but its very market-dependent. Where do you live, OP? Outskirts of San Fran or NYC will be very, very different than East Bumble, Ohio.Phone Bill: This feels high. What, exactly, does this include and which carrier are you on? 14 GB is a lot of data, but its split among people. Most people get by on about 1-2 GB. Are you paying off a phone as a part of that 135? Its not impossible to get to 135mo, but its definitely pretty hard to do it.Rent: OPs parents pulled a number out of their ass. If youre living out on your own, you will not find a place for 200 in most places. Living on your own will run between 500 and 1500mo. Living with roommates 300-1000. Depending on where were talking.Again - where we are talking about is a huge determining factor here. 