<prompt> Human: I am 18 and I work as a barista making about 1,150 every 4 weeks. My bills phone and car insurance are 160 every month. I have been putting almost 1,000 into my savings account every month. I currently have 8,850 in savings and should have 10,000 by May 31st. I dont have plans to go to school yet. Im currently exploring the coffee industry and looking into possible becoming an educational aide or doing a civil service job through our school district. I currently live at home and commute to work with my dad. I really want to get my own car to have more independence and more job options and opportunities. I have looked into possibly buying a used Honda Civic for about 5,000 but have no car knowledge or mechanics in the family. The other option is to lease a new Honda Civic for a ballpark 220 a month, but may need my parents to co-sign. I have a credit card but it is very new and I dont have an established credit score yet. Im looking for advice on which option may be better, or other financial advice for my situation.  <response>: You have 8 grand now, buy a car with that. You have the safety net of your parents while you rebuild your emergency fund. That way you dont have any payments. Youre young and your situation will likely change several times before a loan is paid off. And youll likely want to move out on your own before then, too. 