<prompt> Human: Lets consider two situations:1. 1996 Civic 4-door is running strong at 250k miles.2. Late model vehicle is paid off and I want a flashier upgrade.When I have the total amount in cash? When the loan APR is lower than my lowest debt interest rate? When, in collective wisdom, can I responsibly get a newer car?  <response>: Whenever you want player.This isnt rfrugal, this sub is about helping _you_ set and implement a financial plan. Its up to you to decide what it is you actually want. 