<prompt> Human: My car is at the end of its life and the money Id have to put into it to keep it going isnt worth it. Its got over 240K miles and the repairs Ive made to keep it going this long have gotten me into credit card debt. I was thinking it was better to keep it going than make car payments but it seems Im at the point where that money is better spent on something reliable. Ive recently sold off some investments that I had intended to use to pay off a chunk of credit card debt. Ive got about 7800 in credit card debt with 20 interest and about 5300 from investments I can put towards that. However, with my car situation as it is, that money could be used towards a down payment on a car. I was looking at something in the 14-15K range for cars and that money would be a nice down payment.My question is: where is the money better spent? Paying off credit card debt or towards a down payment? Im sure theres a mix of both that would work but Im just not sure.  <response>: Gotta get rid of that CC debt, CC debt is an emergency. Whats your incomeexpenses? That will factor into the decision 