<prompt> Human: I was in a bad finance deal with a 16 interest rate, 277 a month and 12,000 left to go. Unfortunately I got in a car accident 100 not my fault and the car was totaled. Thanks to good insurance I wound up being able to pay off the loan and had 2,000 left over.From there is my big THANKS!!! I read up and instead of getting into another bad loan or even a lease I saved up 6,000 Thanks to rfrugal as well and bought a decent used car.Without PFs advice I would 110 Be just as in the debt hole with a brand new auto loan.  <response>: Damn. Thank the guardian angel in your life. That is some great karma. 