<prompt> Human: I have a 2012 civic...370 a month... 50 more payments. I still owe around 17k.I think 370 is much to high for me right now... When I bought the car two years ago I was not taking care of my finances well.I am contemplating trading it in for something that might lower my payments by around 100 a month. I wont have a warranty any more...it will be a much older vehicle. Also it will have a lot more miles.What do you guys think?Assistant: In the abstract, its not necessarily a bad idea. A lot of people on this sub recommend that people with oppressive auto loans trade in their newer car and get a reliable and affordable older car. However, without more information about the replacement car and your households income and expenses, its hard to say for sure whether reducing your car payment by 100.00 per month will make sense for you. Human: Our take home is 4800month. Its a 2012 civic that I would be trading in for a 2009 keep Cherokee with 85k miles. Its 14.5 but I would try to get it down to 13k or so. Maybe 14k. I just hate paying 370 month.I dont want to get a super old car that I wouldnt constantly be worried about...  <response>: What you think youre going to save on monthly payments will disappear into higher maintenance, insurance, and gas costs.You might save money with a cheaper vehicle, but a Cherokee isnt it. 