Is the $104/ month car insurance cost because you have insurance bundled with your parents' policies? When you move out and have a new address, you'll need to get your own policy, and the cost may increase. It's rare for 20 year olds to have inexpensive insurance just because young people are riskier to insure, on average.

> - $50-$100 misc. category

This may be accurate if you are super frugal, but I suspect your actual costs will be higher. Think about everything you might spend your money on in the course of a typical year: new housewares (towels, bedding, cooking equipment, small appliances), oil changes, gifts for others, social activities with friends, new clothes and shoes, contacts/ glasses if you need them, dentistry costs not covered by insurance, vehicle registration fees, travel/ vacations, replacement electronics, furniture, parking,

It's hard to predict how much you'll spend on all of these things, but with your budget you are only allocating up to $1,200 for the entire year, and that seems unlikely to me.