<prompt> Human: Gross monthly income is 6500Student loans account for 1000 as minimum payments. Not close to paying off. Not currently maxing out 401k 5k cc debt. No car payments. 5k savingsWe have two cars. Both no payments. 2005 Kia spectra with 160000 miles. No issues. 2002 jetta tdi. 250000 miles no issues other than ac went out. I figure this car is worth 2k. Ac to be fixed would be 1300. Should I fix it or sell as is and get another car and loan?  <response>: Pay off CC debt then fix car or save and buy a second hand car. Stop creating debt. 