<prompt> Human: Im 20 and just moved out, and im struggling to get by badly and was wondering what options i have. My mother is cancelling my car insurance this month so i have to find my own. My expenses areRent: 400monthCar payment:500monthGas:100monthInsurance the lowest i can find is about:400monthCurrently working a full time job and a seasonal night job bringing in about 1300month, what are my optionsAssistant: You need to do something about your car. Youre spending 1000 per month on your car payment, gas, and insurance. Thats 77 of your monthly take home. Priority one, above all else, is to bring that number down. If you provide more information about the car you may be able to get some good suggestions on what to do. Human: Its a jeep wrangler that i can trade in with a loss of 5k. Still owe around 23k on it  <response>: Is the car in your name? Seems unlikely you would qualify for that large of a car loan. Best option is private sale. See what the Kelly blue book value is for private sale and see how upside down you are. 