<prompt> Human: I owe 14.2k on my 05 4Runner due to negative equity on my last vehicle. Id like to figure something out so that I can possibly get rid of this and get something newer with the same payment. My vehicle is worth about 10k average everywhere I look with similar mileage, but asking price is upwards of 16k in different markets Colorado is insane for these vehicles, I wish I were closer but Im on the east coast. Should I just be patient and save to pay the negative difference, or is there another route I can take? Thanks in advance.  <response>: I owe 14.2k on my 05 4Runner due to negative equity on my last vehicle.Insanity is doing the same thing and expecting a different result. If you trade this car in with negative equity for yet another car you are burying the negative equity from the last two cars into the third one. You cannot borrow your way out of debt. Stop digging a hole. get something newer with the same payment.Monthly payment is the least important metric of a car buying decision. Total price, length of loan, and interest rate are all much more important considerations. Just looking at the monthly payment and ignoring everything else is part of what got you into the situation you are in today. 