<prompt> Human: Sorry if this has been posted before but I did not see any posts that were in quite the same situation. Last month I purchased a new 2018 car for 30k. I got 10k for my trade in which left me with a 20k loan at .09 for 5 years. This leaves my payments at around 350mo.I am 26 and make around 60kyr. I have recently started following Dave Ramseys plan to become debt free and I was wondering if it would be a smart decision to sell this car and buy something cheaper that I can pay off quicker. This is currently my last remaining debt. I feel I have made a big mistake with this purchase.Sorry for any missing information! This is my first post to Reddit.  <response>: Too late on this one. Youll lose at least 5K just from having driven it off the lot. If youre really all in on Dave Ramsey, just pay it off as fast as you can. Although with a rate that low, it doesnt make a ton of sense to pay extra. 