<prompt> Human: Hey, yall.Ive recently been taking my finances a little bit more seriously, but unfortunately have decided to do so shortly after purchasing a new car. Im about 14 months into the purchase of a 2016 CRV worth about 20k according to market research only 6k miles. I bought it new and owe about 22k on it at .9 APR.I make 55k and my fiancé makes 70k so its not like Im having trouble making payments, but I cant help feeing like Im throwing away money every month with my 500 payments when I could be putting that towards my 5 30k student loans and driving something closer to 6-8k which I could pay off almost immediately via savings.My fiancé brought up the point that if I sold at 20k, being the buyer in that situation seems like a great deal, which made me reconsider selling. I guess what Im asking is, is that a decent point or am I using the sunk cost here to rationalize keeping it? Thanks for reading and any input.Edit, quick finances breakdown since people might ask:22k left on car valued at 20k,115k120k mortgage left at 3.75 ARM 30, mortgageHOA is around 850m total for the two of us. Condo valued at 135ish.33k left on student loans at 5 on a 25 year plan,10kish emergency savings between the two of us,She is debt free outside of her leasing a civic at around 200m.UPDATE: Keeping the car, gonna throw a little bit more into savings to hit 12k, feel free to throw ARM hateadvice my way since the thread has shifted a bit.  <response>: Your highest interest debt is 5. That doesnt seem to bad to me. If you are going to keep this car for a long time, and can make the payment, I would just keep doing that.Youre upside down on the value, so youd have to put money into it to get out of the loan, and then spend money on another car. Selling this one and ending up with an 8K car wipes out your emergency fund, so that sounds like a bad idea to me.I think youre OK as is, just save where you can and put that towards the 5 student loans. 