<prompt> Human: I need to go and pickup a new 2016 Tacoma tomorrow but cant sleep thinking whether I should proceed or not. I need help. Here is the situation. I currently have 08 Tacoma on 103,000 miles with payoff of about 23,000. I will be selling it to toyota and coming home with the new truck. The new amount financed will be about 43,000 with 3.99 interest over 75 months. The grand total I would be paying would be about 50,000. My initial plan was to refinance the current truck since it is at 10 Apr. But dealership said it was not possible since the loan is upside down. Am I committing financial suicide or is this adequate considering the age of my truck. Bottom line, should I take the deal?? Thanks ahead of time you guys. Edit: As mentioned in the comments I went in today and canceled all negotiations as well as get my initial deposit back. Thank you all for hitting me with the hard truth and the advice. I will be looking at my options and paying off the remainder of the current loan. Thanks again.  <response>: 50k for a Tacoma? Nobody should ever do that, financially stable or not. 