<prompt> Human: I purchased a 2016 Soul about 16 months ago and have brought the loan down from 16k to about 10k. It has 26,000 miles on it. I can afford to make the 250 payments but I would rather be putting money away, as I am close to living paycheck to paycheck.Would I be dumb to trade it in for something cheaper or should I just keep paying it off so I have a reliable car for the foreseeable future?  <response>: I think you will be better off if you keep this car, pay it off, and then drive it for a long time. 