It depends.
Depends mostly on what health care plan you are using and what college/university you attend.
There is no one answer to either of those questions.
I can easily afford more than that for gas. At present I'm driving a big ole' pickup truck with a huge V-10. No strain as yet. I use the truck too... most of my driving in it is in support of training/trialing the dogs. Running around town I do in a smaller more efficient vehicle.
I'm probably going to get an even smaller, more efficient vehicle as well.
Jeez, life here is great. Four cars for three drivers.
Don'tcha just hate us?