<prompt> Human: Im 18 years old, and buying my first car. Its a very reliable car. Im getting it for 800 below blue book. Its a great deal, but, the problem is that its still going to drain me. Its a 2000 car, so I need 400 for the loan. I have 625 for the entire month, Not counting food, I have plenty but I still need to pay my phone bill which is 111, my internet bill, which is 146, and insurance, which is 108. I get my paycheck too, but I have no idea how much itll be worth. Probably about a max of 200. Do you guys think itd be a decent idea? I cant wait for a car any longer. Thank you for your input!  <response>: Everything about this post is an example of why there is a debt crisis in the US. 