<prompt> Human: Hey everyone, I was hoping I could get some advice. A year and a half ago I bought a 2011 Kia optima hybrid for around 16k and did a 5000 down payment and financed 11k with my credit union at 1.99 apr. This left my monthly payments at 187. 5 months into owning this car I needed a new engine and had to spend 4,300 to replace it. didnt get the warranty So pretty much I have already invested over 10k into this car that is currently worth about 12-14k and still have about 8900 left on my loan. My insurance is high on this car also because I have 2 points since when I got my first two tickets I didnt know about traffic school and let the points get added on -_- therefore my insurance payment monthly is about 240. so insurance car payment 427 and might even go up more when my insurance renews. I want to try to save money monthly so Im thinking about trying to sell my car to car max for about 11-12k and using that to pay off the loan on it and spend about 3-4 grand on a used older car like a 90s BMW or something Ive had older BMWs before and know how to do most maintenance myself so Im not too worried about that aspects. this way Id be able to eliminate my monthly payments and significantly lower my insurance cost. is it worth it though? or am I better off keeping my car and make payments still since Ive already spent so much on it I only make about 1300 a month and have to pay rent 450 rent as well so I need to try to cut costs Thank you so much for your help Ive been stressing over this for months  <response>: I would keep your current car because you know the engine is fresh and will not run into much trouble in the future.If you believe the BMW will cost less and not run into any problems either, spending less always helps your wallet. This question seems better to ask a mechanic. 