<prompt> Human: My wife and I have outgrown our current car and need to get a bigger one. Would prefer an SUV or pickup truck 4-door only as we have kids. The problem is that we are a bit upside down in our current car I know, things happen. Just would like a little unbiased advice on what we should do. Owe 9500 on car worth 5000 payment 360 and have a couple of years to go. We are going to but a beater car right now because we only have one car and I work 30 miles from the office. But in the long run we need 2 cars and one of them needs to be bigger.Thanks  <response>: I understand wanting an SUV or a 4-door pickup truck because of children, but is it truly a need?If yes, then Id figure out a way to save a bunch of money really quickly so that I can get one without having to finance. Any way for you to work extra, or to put in for overtime? 