<prompt> Human: The car is completely dead. Not an auto guy but his uncle-in-law is a mechanic and always tries to help him out with it. He just had a baby so he wants a slightly largersafer vehicle. The only problem is they still owe so much on the car, they are going to have to wrap up the new car payment with the old one. The car was a 2013 ford focus and had little issues since the day he got it. Any advice?  <response>: Babies dont take up a lot of space and the Focus is already pretty safe. Your brother is likely looking to justify a new car. He cant afford one when he is 6k upside down on his current one. Financing another car will be a really slippery slope to start going down. Hell be upside down on Day 1 and probably in this same boat four years from now, only further upside down. Keep in mind, whatever he buys now, he will have a minimum 100 more per month just to make up for being upside down on the Focus. The best thing he can do for that baby is to make the smart financial move and fix the car. 