<prompt> Human: Im currently in my mid 20s, looking to purchase my first real car as my 01 Civic is close to the end of its life and not worth continuing repairs on. Im done with school and currently looking for jobs, though I have a pretty stable full time job where I make roughly 1700 a month after taxes. I dont expect to see myself in the same position after 3 years hopefully so I expect my income to rise in the future.nbsp;I currently live at home, which means I dont have any major expenses, however its very well likely that I may have to start contributing rent of 500 a month starting in the summer. I spoke to my parents asking if I could possibly do it after I end up getting a vehicle, but they basically told me that if I get a better job than the one I currently have then I dont have to pay anything which I guess motivates me even more to get a job.nbsp;Anyway, if were including the cost of rent, then my monthly expenses break down something like this:500 for rent200 toward loans100 toward cableinternet60 toward car insurance200 toward miscellaneous expenses food, hygienic, gas, netflix, etcnbsp;The miscellaneous expenses probably vary the most, but it never exceeds 200. This gives me approximately 600 of income that I technically save.My current debt consists of:1500 credit card this is actually a store card which is interest free until July 2017, so Im just making minimum payments right now12,000 private student loans20,000 government student loansIm also making the minimum payment on the loans as well.I have about 3000 in my savings account. I probably dont plan on buying the car until Ive at least fully paid off the card by applying more toward the balance due...plus Im owed 1000 by family which should help as well.nbsp;Now I guess most of you would probably tell me to throw all my extra money toward my loans, which I understand, but then I probably dont see myself getting a car for another 2-3 years unless I manage to score a better paying jobcareer in the next year. And if my current car breaks down, then Im royally screwed.nbsp;Anyway, the car I want which I plan on keeping for pretty much as long as I can is approximately 30,000 MSRP and is running a promotion of 350month for lease with a 2k due at signing which I will attempt to negotiate down to 500 the trade-in of my current vehicle hopefully. The buyout is 19,000 after 3 years. The other option would be to finance the vehicle at a 2.9 rate most likely thats best case scenario but then Im looking at monthly payments well over 500 even with a sizeable down payment. I dont feel as though thats something I could afford comfortably. With the lease, Im basically gambling getting a better job in the next 3 years to be able to pay off the vehicle later down the road, since 350 seems like something I can manage now.According to my FICO credit provided to me by my credit card, its roughly in the high 600s. I only have one actual credit card excluding the store card that has a 0 balance. Ive paid off an 11,000 loan two years ago and I make all my monthly payments for everything, maybe a late payment once in like 20 months or something. nbsp;My brother went through like 4 cars in his 20s which were all leases except his final car which he financed. Im still on my first, but he has a way better paying job currently. Unfortunately, I wasnt as motivated and did pretty shitty in college, so even if I do get a better job, I dont think its gonna be anything too spectacular.In all honesty though, Id like the opinions of the experts on this subreddit as to whether or not Im out of my mind with what Im trying to pull off. If you need more clarification from me on anything, Ill provide it granted this thing doesnt blow up.Thanks.  <response>: Anyway, the car I want which I plan on keeping for pretty much as long as I can is approximately 30,000 MSRP and is running a promotion of 350month for lease with a 2k due at signing which I will attempt to negotiate down to 500 the trade-in of my current vehicle hopefully. The buyout is 19,000 after 3 years. The other option would be to finance the vehicle at a 2.9 rate most likely thats best case scenario but then Im looking at monthly payments well over 500 even with a sizeable down payment. I dont feel as though thats something I could afford comfortably. With the lease, Im basically gambling getting a better job in the next 3 years to be able to pay off the vehicle later down the road, since 350 seems like something I can manage nowThat would be incredibly stupid. You make very little and are being supported by your parents as a result. You have a negative net worth.The idea of buying a 30k toy when you are living with your parents, in credit card debt, and have a low income is just terrible. You will be pouring a huge portion of your funds into a depreciating asset when you have already borrowed extensively for an education that is yet to pay off.I would be looking at a reliable sedan for 5-7k at most in your situation. That will mean sticking to basic models.I would also be very focused on getting a better jobsecond job until that credit card debt is paid off and then be very focused on those loans. You owe a decent sum for someone who make less than you could having skipped college and worked hard on building a career with drivecommon sense and no college degree.Ultimately, we may have different values around work, financial stability, and materialism. I would be absolutely sure that buying a 30k mantoy is something that will actually make you happy before doing so, because you are considering dumping a huge sum of money into it given your income and it is exceedingly lavish given both your income and overall financial picture.This seems like it would grab you down. 