Another option is to look at how much can sell the car with the loan on it and see if can cut the car debt in half or more. Then buy a used car with cash. This would depend on wife being on board and not feeling like onesided sacrifice if the car she drives is one with loan.
good idea but Honestly I dont want to do that to her , her one request was to have a good car that she can get in and out of with 3kids , its really difficult for her when I am away at work for a month so anything to make it easier on her when im gone i will do .
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