<prompt> Human: Im 21 years old I make just shy of 50k a year. I live with my parents and pretty much have no bills. Ive been wanting a new car, as my current one isnt running properly. I want to finance a Fiat 500 Abarth 15,000. I really like the look of this car, and have been wanting it for awhile now. Insurance will be a bit high at 300 a month plus the car payment 320 so Im looking at 800 in total thats with gas for the car a month. I also have no credit, so Im likely to receive a high apr. Would it be worth it to finance a car I really want and build credit?  <response>: Why is your insurance 300 a month? To spend 800-1000 a month on a car is insane. You would be better served to continue driving your current car even if you need to put 2k in for repairs. Save the money so you can move out of your parents house eventually. Dont be car poor. 