<prompt> Human: Hey PF, looking for some guidance here. Single male, 25 yo, Chicago. My salary is 57K and my monthly take-home is 3,100.00.My expenses: Rent - 1,160.00 Transit parking, insurance, gas, public transit, etc. - 420.00 Groceries - 200 Phone - 60 Gym - 35 Total: 1,875.00 This leaves me 1,225.00 to save, play, and cover my car. I drive a beater right now so I expect my insurance to go up significantly, I estimate an additional 70mo.In immediate, accessible savings, I have 11K. I have untouchable savings as well in my HSA and 401k.My plan was to shoot for a car as close to 20K as possible and put 5K down to get pretty close to 250mo payments 275.00mo or so after financing. After the insurance adjustment, this would bring me down to 880.00mo before travel, dining out, and other expenses.The part that worries me is that I feel my Emergency fund is quite small, especially after I take out the 5K for the down payment. Im also trying to save for an engagement ring. In addition to that, I just started a new job. For the first year, my employer is not matching any sort of 401k contribution. I was planning on using the extra cash on my end to build up my emergency fund. If it makes any difference, I will be eligible and very likely to get a 10-15 bonus in February of next year.I am looking for a car that is 1-2 years old with less than 30K miles, preferably a hybrid because my morning commute is 15 miles and takes about an hour. Gridlock pretty much the whole way.So what do you think? Can I afford this car? Could I afford better? Where should I draw the line?  <response>: Why finance at all? Get an 8K car or so, and start saving for the next one. 