<prompt> Human: Edit: Refinanced my car. Title is in my name, lower interest rate, parents are not cosigned. Car is mineI was making 900 USD a month for 6 months, I got hired at a manufacturing plant where Im making 21.04hr. Guaranteed 40hr weeks. Im 19 and have the luxury of living with my parents until i can save to move out. Their car broke down and they forced me into buying a brand new car for 17k. They cosigned the loan so I could get a lower interest rate and put a 4k down payment on the car so my payments would be cheaper. I would buy the car, and they would use it until they could afford to buy a new SUV.Dealership put on a 48mo loan, which makes my payments about 323 dollars per month. After taxes and fees and interest, it makes the car 19.5k. I want to pay off the car in 29mo with a 500 dollar payment every month so i can get rid of my payments faster and have the extra 500 dollars in my pocket.Since I was 14, my parents have been keeping a tab on how much money I owed them. Currently thats at 5100. Including the down payment. I recently paid off 1k so its down to 4.1kHeres a quick snapshot of my current billsmonth28 for internet accounts40 for phone50 for gas90 for car insurance500 for car payment.45 for rentAnything left over is given to my parents.Im a musician and am needing higher performance gear as I have outgrown my current setup. A pair of Yamaha HS8 studio monitors and an HS8S studio sub. Industry standard, every music producer needs these or a similar set of monitors. Ive been producing for 5 years and a musician for 13-14 years, so please dont say I dont need these. The cost of the 3 speakers and the pads and the cables would be about 1200. My question is how do I save up 1200 dollars when every penny is going straight to bills or my parents. I dont have anything in a Roth IRA or emergency fund, only 7 into a company matched 401k, and I only have about 100-200 dollars combined in my bank account at any given time to cover my bills.Edit Holy shit this blew upEdit 2: TIFU, Insurance was only 3k a year. EDIT 3: Major Update: Refinancing my car from my new bank with a lower interest rate without my parents cosigning. The car is now mine unless it gets repodAssistant: Your parents are abusive. Stop giving them money. Sell the car, buy a cheaper one. Find an apartment and move out.Human: Forgot to mention that since im only the cosigner that I cant sell the car without their written consent.Assistant: Never be or get a cosigner... It never ends well. Tell them you need to sell the car you cant afford it. Buy an older Honda civic they run forever and are cheap to maintain. Your parents are twisted...Human: They were saying they were making the mistake of cosigning it. Like ok. But yea. Gonna have a talk with them in the morning. Or Ill let them make the payments and but their other car off of them. For 2k. They offered before it broke down. 99 Lexus rx300 with 160k miles.  <response>: Well, they were. You both were. 