I second u/usmcwrangler That is too much money pouring out of your pocket and into a corpo’s coffers.

It would be better to use that money to build your savings: retirement 15-20 % of your salary, emergency medical/dental fund aim for several thousand at least, and make a “car payment” to yourself for car maintenance, repairs, and replacement, and a job loss emergency fund of at least 6 months but aim for 1.5 years of expenses.

Then start a general savings account for life goals, like a down payment on a house. Even if you have no intention to buy a house -if you ever needed to you’d have the money to do it but also, it may be money for you to move overseas or start a business,go back to school-regardless start putting money aside and stop giving it to other people.

The peace of mind is amazing.

Then, when you realize you have options in life, mentally it is so wonderful to look forward to the future