sure where you get your numbers....based on todays prime rate...150,000 dollars financed for 30 years is $863.48 a month...You must do LOTS of driving for 400.00 a month...I drive the same vehicle and use about 200 a month...and I drive a lot..granted I plan my trips to maximize my gas... Sounds like YOU are living WAY outside of your means...at 70K a year that is about 2100 bucks every other week....YOU should have NO issues right about now with anything.