<prompt> Human: I am on my 3rd auto lease. I am 10k miles away from my limit and have 2 years left on my contract. I want to stop monthly payments. Whats the best way to get out of this and limit my payments? I am thinking turn car in and just buy a used car from dealership and finance through credit union or bank. Is that practical?  <response>: Or save while youre leasing and pay for a car in cash, if your real goal is to limit your payments as much as possible. A 0 payment is cheaper than financing a loan. 