My first time to this forum and what an amazing group! I probably should write a case study question but for now I'm better off asking a quick question that has been burning a hole in my head and my pocket! My husband and I have always paid cash for very used cars and never more than $5,000. Well last year our Hyundai 2002 suddenly needed $2,000 in repairs. Instead of going and buying another cheap used car or repairing the Hyundai we foolishly decided we'd really like a newer, fancier car. We have terrible credit (500s and that's a long unusual story on trying to start not one but TWO social enterprise type businesses, hence the case study) and got a 2012 Dodge Journey in September. For $400 a month with 63 months left (currently we owe $17,000 but will pay alot more than that if we pay until Sept. 2022)! After discovering MMM I wanted to bang my head against a wall with this car and spending $700 a month btw gas/insurance/loan is just not desirable to begin our desire to be FI. We have NO savings to speak of and the conundrum is should we sell the car privately and hope to get the $9500 max we could get (blue book) but then how to pay out the remaining amount on loan? No one will buy the lease, it's not a good deal and not a new enough car. Should we just give it back and let it ding our credit if we don't pay it as our credit sucks anyways?