<prompt> Human: 40K gross income...Bad? I think so, just need confirmation. I live in an expensive city, and for my own sanity, I cannot live in a dump. This isnt luxury by any means, but its nice. Utilitieselectricinternet included. Have a car at 190 a month too. 24years old, about to move out of parents house. Mom will help me out immensely with food---everything else is on me and has been on me for the last year. Living at home has allowed me to save 21K ---but its just time to move out.Assistant: That is very high for rent, especially for your first place. Have you been approved to live there? Most places want your monthly income to be at least 3 times your rent.Human: Yes, I was approved. My credit score is high and I have a clean history for a fairly long time. I was one of the few of my friends in High School whose parents opened up a credit card for. Ive always been responsible with money---just starting to think this is not responsible. But it is something I have worked for. I also expect my salary to increase and I am going for an MBA eventually. I know, that is a whole lot of debt, but I think I can swing it.  <response>: I hope I can make this easy for you. Its not responsible.That is way too much on rent at your income, especially since you have other expenses like a vehicle. 