<prompt> Human: My husband and I just had our second kiddo and bought a new car long story, but we replaced one that had a long history of issues, the latest of which was being run into by some jackwagon without insurance. We legitimately needed a bigger car to haul both kids, and since we both work at the same place, its really easy for us to carpool.We are about two months from paying off our other car, and right now all we really use it for is convenience, running errands, etc. Its a much smaller car, and we never take both kids anywhere in it although we can take one without any issues. Technically we COULD carry both kids in it, but it would be extremely cramped.Theres a part of me that wants to keep the second car for convenience. Once its paid off, we will just be paying insurance on it, which amounts to about 40month. Having it ensures that neither of us is stuck at home while the other is out and about. The area where we live doesnt have a good public transportation system, so its definitely much more convenient having the second vehicle.On the other hand, we COULD make one car work. We have a decent amount of debt and very little savings. We could pay off one credit card a store card that will have a very high interest rate once we are out of the promo period -- emergency fridge replacement, bank some money into savings we currently have no personal savings and a few hundred dollars in our kids accounts and make a dent in another credit cards balance.ETA: The current KBB value of the second car is around 5,000, give or take.Basically I see pros and cons to both sides, so I want to hear what some other folks think.TL;DR: Should husband and I keep our nearly paid-off second vehicle in a town with no public transit or sell it and pay down some debtput money in savings?  <response>: I would ask myself this question...if I did not own it, would I go out and buy it? This thinking helps me with wants vs. needs. 