<prompt> Human: Im in my late 20s and my car that I use to get to work may die soon. I dont have a lot saved up, and what I do have Im saving up for a house. Id like to avoid monthly car payments as well as full coverage insurance for the log run. Has anyone used their IRA to get another basic ie used car? Did you regret it? If you didnt regret it, why?  <response>: You want to pay 25 instead of paying 3 interest? 