<prompt> Human: I have a decent paying job, and work 12 hours a week. I bring home 500 ish after taxes each month. Did I fuck up by getting into car payments this young? My first car finally shit out, and with my parents divorcing this was the only option for me to get a new vehicle so I can go to work.  <response>: Yes, its a fuck up and you should be reversing it as soon as possible. 