<prompt> Human: So, my wife entered a 4 years lease about 2 years ago for a 2013 Camaro RS. She really wanted the car and the salesman really wanted to get her in it, and lo, a terrible agreement was entered into. Ive been telling her we need to find a way to get lower payments. So, she has a good friend that works at a lexus dealership and he offered her a 2010 lexus IS 250. In any case, here is the current situation.Lease-- paid 26 months already and 22 months are left. The camaro is 685 month. It has 35,000 miles on it and the lease limit is 48,000. So there will be a penalty fee of .25 a mile for anything beyond that. We expect about an 4,500 penalty for that. To buy the lease out now would cost 32,400. My bank said they would finance that at 3.5 for 72 months. Current option-- 2010 Lexus IS 250 with 41,000 miles. The car was listed for 24,000 and they took off 4100, making the sale price of the car about 20,000. They would only offer about 18,000 for the camaro and the negative equity rolled over makes the total purchase price is 33,240. That is financed at 3.9 for 60 months.She says she loves her camaro and his having issues with parting with it. I think its better to get the lexus for these reasons: 1. Its 512 a month which saves 175month 2. Its a 4 door sedan so it is cheaper on insurance 3. While it takes premium gas, it gets better gas mileage 4. We plan on starting a family within the next two years and a camaro doesnt really fit a baby that well.So, I would like opinions and reasons on which option would be the best thing to do. Should we ride out the lease which I estimate a total cost of 20,000 or take the option to buy? The only reason we have the Lexus option is because of her friend that works there. Any other place we would have to pay money out of pocket due to such negative equity. Thank you for taking the time to read and comment.  <response>: The camaro is 685 month.Whaa? Did she roll another car into this lease financing or something? This is an INSANE number for a Camaro. Especially not an SS or LT1 or something. 