 two car payments and a student loan payment all these payments and debt and your income is going to those things and then interest on top of that paying for the bank your you're making the bank wealthy verses making you wealthy if that makes sense so it i think it's like it's less about the exact number of your income and it's more that philosophy of how many use my money regardless of income for me and making myself wealthy and not the bank toyota motor credit being wealthy is not my concern