<prompt> Human: I have two cars:Car 1 - value8,000 paid offCar 2 - value27,000 5,000 owedI have 27,000 in credit card debt at an average APR of 15, mostly inherited from my new wife I know, lucky me.So would it be a good idea to sell my cars, pay off the credit cards and buy two used cars with a much lower interest rate but at a higher total debt? I was thinking 40,000 for both cars. Thanks reddit world!Assistant: How are you going to get 40k for cars that are worth 35k, when you still owe 5k on one of them? I see you getting rid of the cars for around 30k for both in this market, which leaves you 3K to put down on down payments for 2 used cars. Human: I was talking about the cars I will purchase, 20k each.  <response>: So you plunge right back into debt? Why do you need 2 20,000 cars? 