<prompt> Human: In 2013, I became a new father. Mom had a Mustang and dad had a Lexus sedan. We went to Subaru to look at a cars, and of course we walked away with a brand new Subaru Outback. I was just in love with the size of the car and what it had to offer. We worked several hours to get a good deal.. but still a new car.2013-2015... no regrets with my decision. Now, its becoming a bit grueling to continue paying a new car price for a 3 year old car.I have toyed with the idea of finding a sub 10,000, sub 90,000 mile Lexus RX. I have owned 2 lexus vehicles and they have been a great balance between reliable and having good creature comforts. May also outright go to a minivan, though powertrain reliability is always suspect.We dont have money to buy the car out right with cash. Id have to take a new loan or continue to save for a year or 2. Maybe spend 6-9k?Current loan details: 2013 Subaru Outback Limited, 2.5L 52k miles on the car 13,300 left on loan 6 year note, 2.5 years left, 1.9APR Online guides price the car at about 18,500 460 monthly payment, about 10 of my after tax income. Does it make sense to downgrade? I dont have rates yet, but my guess is a 9,000 loan would be about 375-385 a month 2-3 interest?. I dont want to extend the loan terms, for sure. I need to free up that cash for saving for maintenance and cash savings. So even at a high end, I can nearly get it down 100.Has anyone done something similar, any thoughts?  <response>: Subarus are generally fairly reliable, safe, and hold their value well. Id just focus on aggressively paying off the Outback as fast as you can and then keep it for a long time. 