text:  Hi, Dave. Hi, Rachel. Thank you so much for taking the call. Sure. What's up? I just have a quick question. I was wondering, I'm on baby step to paying off my car, and now the engine needs to be replaced, and it's an $11,000 repair. I only have $1,000 in emergency funds, so I'm wondering what I should do. Like, should I take out a personal loan to get the car fixed? No, no, no. That car is gone. How much is it worth?