<prompt> Human: My girlfriend 26F and I 26M are looking to rent our first apartment in NY together. We currently live together in my familys home - we rent out the basement. While we can afford the new apartment, Im worried I will be stretched a little thin. I was hoping for some advice to see if Im being a crazy or not. Im going to focus more on my situation because my girlfriends is a little up in the air at the moment. I currently make 65k a year. The rent for the new place is 2,600, so my half would be 1,300. I pay 340 a month for my car and will also need to rent a parking space in the building which comes out to 185 per month. My monthly total is coming out to about 1,825. I also have a little over 20k in savings, of which a large portion will probably go towards the whole apartment renting process first month, last month, security deposit, etc.. This whole situation also makes me nervous about being able to save for the future for when the whole having babies and buying a house thing comes into play. Assistant: I assume you are in NYC given the high cost of living. Why do you need a car?Human: Im in the queens area and I use it more on the weekends.Assistant: A car you only use a couple times a month should not be costing you 340, plus parking plus insurance, etc. Most people in NYC do just fine without cars and it helps offset the high cost of rentingbuying. I know it wasnt your question but this really stuck out at me.Human: I should have explained better. I use the car more on the weekends but I do use the car throughout the week just not as much. I got the car when I didnt have any bills. Im close to the end of the lease and will be getting a car that will be much cheaper.  <response>: Oh god its a lease? Even worse. Stop leasing cars, its a total waste of money. A 340 lease is probably a luxury car which you definitely dont need just for tooling around on the weekends, and you cant afford it on your salary. When your lease is up, try going without a car for a while. If you still feel like you need one, BUY something older and 5k. 