<prompt> Human: We bought the house in Sept 16 so I dont think home warranty covers it anymore. Warranty on the system itself expired four years ago. Dont believe homeowners insurance will cover it. Whole system had to be condemned. A crack in one of the plates was causing flames to come through and tripped the safety shutoff. Its also releasing carbon monoxide. Its also 24 years old...We do have the money, but were actually saving for a new vehicle baby 3 due in April, family car needs an upgrade. We have 12.5k in the emergency savings. 4000 in our regular savings. Our neighbor had their whole system replaced this year, by the same company who came out for us today. Cost them 6800. Financing is an option though Id like to avoid that. Our neighbor recommended shopping around, saying she felt like the company took advantage of them, only offering top of the line systems and whatnot. Is this something to shop around for? Or is a good HVAC system worth investing the money in? Do we finance to save money for our car or do we take the hit and pay out?  <response>: As others said shop around. This is exactly why you have an emergency fund. Now is the time to use it. 