<prompt> Human: So my wife took out a loan for a 2014 Dodge Dart gt back in 2013 before I knew her. Fast forward today we have two kids, which need car seats. So we need a bigger car. The thing is shes still paying the car off 520 a month for the loan itself. We still got 32 payments on the car left. She got the car when she had bad credit. We always argue about this by the way. so we need a bigger car but dont know what to do? I have 4 choices that I can think of. 1. trade it in, we are only getting 10k and we owe 17k on it.2. Keep the car which I can replace my 98 Honda Accord. But I hate her car I rather have a manual. and keep paying 520 a month. 3. Can I get her car refinance with both our names and just maybe get the payment lower. And buy another car? Anything Im missing or other suggestions?Our 2017 income was almost 90k but we only took 64k. Our new car would be a RAV4 or Subaru Outback or forester? Assistant: Fast forward today we have two kids, which need car seatsLast I checked, 2 kids 2 parents 4 seats and the Dodge Dart has 5. Granted itll get tight, you guys can make do with that. So we need a bigger car. No, you WANT a bigger car.We always argue about this by the way.Why argue? Its the past, nothing can be done about it, she needed a vehicle and made a bad choice, but its gotten her this far. Nothing good will come of arguing about her finances after the fact. Instead, see how you can move forward with this mistake as a learning tool. Its a 20K car that shell end up paying 40K for, how can you educate her so that she doesnt do it again in the future? Not with just cars, but with any purchase.Of all of your options, rolling 7K of negative equity into a new 25K car is stupid. So dont think about buying a new car right now. It shouldnt be an option.If you can refinance, thatd be the route I suggest. If not, aggressively pay off the car so you can minimize your damages. It doesnt make sense to get out of a 17K loan only to pile it on a new car loan. THuman: Thanks for the reply. Unfortunately my wife wont learn her lesson. She is materialistic and always want the shiny new stuff. I could care less. Im just frustrated because this car has had many problems. The screen that controls the ac first went all black. They said they didnt know took them over month to fix. Then the button to open the trunk wasnt working had to get that replaced. The. This past year the car had water leaking in the trunk a good 3 inches now a check engine. This car sucks. Its just a small car and no space we carry a troller and that takes the whole trunk. On top of that all our family are in medical debt.  <response>: On top of that all our family are in medical debt. Another reason why you cannot afford to pile on another 25-30K of debt. Maybe its not that she wont learn her lesson, maybe its that your approach isnt that tactful resulting in the argument you spoke of. A financial advisor or maybe even marriage counselor could help facilitate the proper lines of communication regarding this issue.I dont want to tell you how to live your life or how to have a happy marriage, I just want to tell you that you cannot afford a fancy new car. If need be, pay off the dart and sell it. Use that money to buy a used car in cash only. 