<prompt> Human: A few years ago, I bought a 2013 Focus ST as a CPO. 1500 down and 396mo for 72 months. A year or so later, I picked up a used Commander to do towing and winter duties to get to work, because I dont get snow days. Jeep was financed over 3 years with 0 down through my credit union for 465mo. I kept the focus for a daily and used the Jeep when I needed to, but I eventually ran into trans issues that I wasnt able to fix and my trusted trans shop was clueless to, so I decided to ditch both cars and consolidate to one car that provided both a fun daily drive with the ability to tow and drive in the snow. Naive younger me decided that a 2012 Jeep Grand Cherokee SRT8 was the ticket, so I bought one for 42k with 0 down and rolled my negative equity from the commander 2k into the payment, which put me at 775month. I never actually got rid of the focus. My girlfriend started driving it and we split the payments and recently I sold it to her and she financed it in her name and is driving it. We are closing on our first home this Thursday its in my name exclusively, so we can avoid that rpersonalfinance hot topic and Ive been contemplating trading the Jeep in to get something cheaper. I can float the payment on the Jeep, but Im nervous about the unseen costs of home ownership and would like to lower my monthly debts as much as possible to build up a safety net. My payoff is 36k and the trade in values look to be between 23 and 28k. I could probably get around 30k in a private sale, but all my disposable cash is going towards the closing, so I wouldnt be able to float the rest of the payoff if I sold it privately. I dont want to lose that much on a trade, but if Im going to get out of this car, it needs to be a trade. My thought process has been to look into a cheap lease, with 0 down and roll all the negative equity in, and just deal with an unenthusiastic car for the next couple years. If my girlfriend is cool with it, I would trade cars with her because I have a further commute 40 miles round trip and I would drive the focus again as a daily. The other option would be to refinance the Jeep, but it has 80k miles and is already out of warranty and I wonder if Im pushing my luck trying to stretch out payments that far on a 2012 SRT8. I know the standard is to hang on to the car and ride it out, but Im not sure if thats true for a high payment like this one on a car that is notoriously expensive to maintain. The Jeep is in fantastic mechanical condition and Im not worried about it in that way, but with increases in the mileage, obviously some of the expensive items will eventually need replacing. Hit me with the tough love, please.  <response>: Step 1 stop buying cars you cant afford.Step 2 aggressively pay on the srt till its either above water or paid off 