<prompt> Human: I am on the path to becoming financially independent. I have paid down all of my debt with the exception of a student loan which I pay an additional 120 a month towards and my mortgage. My current vehicle is paid off. The issue is it is terrible on gas, and not very reliable. I am looking to keep my vehicle for commuting for the next 10-15 years.Currently, I am spending about 200-250 a month in gas. I was considering selling my vehicle worth around 12,000 and getting something better on gas and more reliable. I went and looked at a few vehicles in that price range over the weekend and while they were not bad, most had 70,000 or more miles, and I do not see them lasting the 15 years Id like.Ive been contemplating bumping my price range up about 4,000. Ive found quite a few vehicles around this range I like, with under 30,000 miles and are 2010 and above. They should last the 15 years no problem. I can take a loan from my 401k for the 4,000 that will end up being about 80 a month over 4 years. The interest paid on the loan is paid back to my 401k as opposed to a bank. I figure with the difference in gas, costing only around a 100 a month, the 80 dollar a month loan, and a better vehicle it would be worth it.Should I stay with my current vehicle, pay the higher gas, and see how many more years I can get out of it?Should I spend the extra money and take the 401k loan for a vehicle I know will last longer?Or should I buy a vehicle with better gas mileage and higher miles, but not take out a loan?Thanks for any input.  <response>: IMO, a 401k is for retirement, not for borrowing money for a car. The rates on auto loans are very low, Id just go that route, personally. If you throw your gas savings plus the 80 you wouldve paid on the 401k loan towards an auto loan every month instead, youll likely end up paying less than 100 total interest. That would be worth it to me to not have to pull money out of the market and take the additional risk of a 401k loan. 