<prompt> Human: I live in NY and I am 22 years old. I have an 8 month old daughter and another one on the way. I never owned a vehicle before and I recently got my drivers license. I make a little over 25k a year. I checked on various car insurance sites and the cheapest one I can find is 12 coverage for 320 a month. with financing a vehicle of my choice, I would be paying roughly 800 a month for the vehicle and insurance combined.  <response>: No offense, but you make 25k with 2 kids. A 500 car payment is just plain silly and reckless. Combine that with 300 in insurance and 40 of your monthly income BEFORE tax is going to a car.If you genuinely need a car, youre gonna have to buy very used and under 8k. Whats your credit like? What do you have in savings? Can you afford to outright purchase a car or will you need to take out a small personal loan to cover it?Without kids you could probably swing it but it would still be a bad idea. 800mo for carinsurance is retarded even with a high income. With your income youre guaranteed to have financial problems. 