<prompt> Human: So Im currently a 21 year old college senior, gonna be graduating this June. I have accepted an offer for a job where Ill be making 77Kyear, starting mid-July. I live in California so after taxes Ill be coming home with about 4,500month. My plan is to divide my monthly income up as follows:500 towards student loans 10K total, should I be paying more?1,000 towards savings500 towards rent gonna stay living with my parents for a little while500 to 1000 towards expenses, bills and other things Im sure I havent considered yet.Id like to get a new car at the end of the year for something in the 20,000-25,000 range, where Ill be putting down about 4K-5K after selling my current car and money Ive saved up from July til Nov-Dec. Im sure my insurance will be upwards of 150 a month since Im a male, young, etc. If things go as planned I expect to be paying 350month for the car loan and 175 for the insurance, but I feel like thats a lot of money to be spending and frankly I dont know if I should. Any adviceinsight?Assistant: The problem is your lifestyle is currently being subsidized by your parents. I wouldnt say that financing a 20k car in this situation is a great idea. Are you planning on living at home until your car is completely paid off?Human: No, only for about a year or so.Assistant: I mean, if you live in San Francisco, 77k wont get you very far, but if you live in a place with a normal cost of living, I would say this isnt a terrible idea. Also, my insurance when I was 21 was almost 250, but you might have better luck.Human: I live in the East Bay Area so itd be a little more affordable  <response>: A little more affordable than San Fransisco is still very expensive. I think you need to sit down and consider how you want to be living a year from now. When I graduated, 77k seemed like a lot of money to me. Once you start paying rent, bills, car note... youll find all that money quickly disappears. I have no idea what rent prices youre looking at in the East Bay. But if you want to live alone in a year, I would strongly suggest looking at cheaper cars. E; posted multiple times, oops 