In John’s budget scenario, which expense has the highest monthly payment?

In John's budget scenario, the expense with the highest monthly payment is the auto loan payment. Auto loans typically involve significant sums of money borrowed to purchase a vehicle, which leads to higher monthly payments compared to other expenses listed.

Cell phone plans, while they can vary, generally have consistent and lower monthly costs, often ranging from $30 to $100. Credit card payments are highly variable, depending on the balance carried from month to month and the minimum payment requirement, which can be relatively low if consumers only pay the minimum. Grocery expenses fluctuate but tend to be manageable compared to the fixed and often substantial nature of auto loan payments.

Thus, when evaluating typical payments in a budget, auto loan payments commonly represent a larger financial commitment—making them the highest monthly payment among the options given.