If you don't have kids yet, go ahead and get a second job now and start saving up. Also prepare for stuff like a $200 dress for prom, and iPhones , they all seem to need an iPhone. Buy it and it seems within a month or two the screen is shattered. So they need it fixed or a newer better iPhone. And don't get me started on shoes. Even boys require fancy Jordans and under armor, nothing under $100. It adds up fast and really cuts into the car fundage.