<prompt> Human: I earn between 70k and 150kyear I get paid for Overtime which I work irregularly, avg after tax earnings are around 6kmonth. PROBLEMS:1. I need a new car. I got into an accident a year ago and have been paying 230 a month toward a 10k Corolla that Ive been driving without a seatbelt or airbag in the drivers seat. Im a father, I cant just die. I was thinking Id lease something.2. My credit is shit. like 600, 650. I missed about 5 payments last year late between credit cards and my car payment. I was working 80 hoursweek for 65kyear and pretty depressed, so I wasnt able to get out of bedsmile most days, let alone organize my finances. How long til I recover back to 700?BUDGET averaged up my bank transactions6.5k After-Tax income on avg1.1k rent single bedroom for memy son, UtilInternet included1.2k Child support130 Car insurance230 Car Payment100 Phone400 Booze220 Going out25 Lexington Law100 Gym150 Personal Trainer200 Udacity Im running the data science initiative at a big company and theres a lot I dont know300 Groceries150 Credit CardsDebt33k Student Loan10k Car loan3k Credit CardsAlso, I know Ill get torn apart for this, but I want a decent car and I have to keep up with my fitness. Ive been heavily depressed for the past year and getting in shapethe thought of a new car is the only thing thats keeping my chin up besides my work.Thanks in advance for your help, Im probably coming off like a douche bag.EDIT: Also no savings, no investments, like 2k in checkingAssistant: I got into an accident a year ago and have been paying 230 a month toward a 10k Corolla that Ive been driving without a seatbelt or airbag in the drivers seat. Bad. Im a father, I cant just die. Good thinking. I was thinking Id lease something.nope.jpg. How long til I recover back to 700?Most likely years. You need to wait for the missed payments to age out at least 2-3.Leasing a car is the absolute worst financial way to get you a car.Your best bet is to buy a used Corolla, etc, that actually has safety features. You want to be taking on a minimal amount of debt now because you already have a credit card balance, and you will be rolling negative equity from your existing car into whatever you get into next. Your budget is showing a surplus of over 2,000 mo. Pay off your credit cards. Find the cheapest reliable car you can, because it looks like youve got at least -8,000 equity in your current car. Human: How much should I spend on the cartarget for a monthly payment? I thought a lease would be cheaper each month no maintenance costs, but I also have no idea what Im doing. How about a 1 year old Camry? Reasonable?EDIT: I know its stupid, but I also want to treat myself to a nice car like a Lexus or Audi since Ive been working my ass off to get where I am and feel like I have nothing to show for it. I live a lower quality of life than people who make half what I do, it sucks. Is an Audi out of the question?  <response>: Sorry, but you dont get to treat yourself when you have 46K worth of debt racked up and no savings. 