<prompt> Human: I recently got a job that I have been working toward and I would love to know my best options going into the future I am 19. I am making about 525 a week with no overtime. I currently have little to no bills, I am living with my parents and they are keeping me on their insurance until I can not be on it anymore. I am currently saving up for a down payment on a car and the monthly payment would be around 300-400. After I have the down payment for my car and buy it my parents are having me carry some more weight completely understandable. So my monthly bills would be around 1000-1400 I dont have an exact number. With no overtime I will be making at least 2100 a month. I have talked with my parents some about options like a 401k which I will do as soon as I can. We have also talked about a credit union, I am only 19 and do not understand much about money, the main reason I am here is because I want to know the best possible route for my future. With my job I get a 3 raise every year and after 5 years I will be making a minimum of 40 an hour. If anyone has any input to my situation it is greatly appreciated.Thank you :Assistant: My only thought is there is no way I would take on a car payment equivalent to almost a weeks wage. This seems crazy high to me and as a young person you need to have some fun money as well.. also if you dont spend the spare money, save it towards your future house or rental costs away from your folks. Dont chain yourself to a high car payment.Human: Any particular amount for the car payment you think i should go with or stay below?  <response>: In your case no car payment is ideal, just buy a car from a private seller with cash. 