<prompt> Human: Hi, Little background info first:I have a new baby at home 2 months old, just bought a house this month. I make decent money, but im the only one working right now. Before i was married and had a kid i bought my first financed car. A ford focus ST. I dont have the best credit, never used it and the things i did use it on years ago i wasnt responsible enough to use it right.Im 25 years old my base pay is 92k and I make usually another 15-20k in OT pay.I owe around 20k on my car still, trade in value is maybe 16k not sure just taking the low end number but the catch is my finance rate is 12.99 yikesss.I would like to buy a more family friendly car but since i pay 467 month in car note and about another 200-300month in car insurance i really dont want to get another car loan on top of it.This summer ill be making great money in OT turnaround money working 13 of 14 days 12hrsday. So decent pay checks.My question is:Should i try to pay off my car this summer and maybe next year get the family car i want?OrSave that money for a good downpayment on new car this year, and possibly trade what i got in now?Thank you so much for reading all that :Anxiously await your responses  <response>: No money you save can possibly make 13year so pay off the horrible deal you got on your first car as fast as you can, or better yet, sell it and buy something with better terms. 