text:  and then my car breaks down and the transmission goes out or something and I can't fix it. I don't know if I should be saving more in my Step 1 for that. That's kind of where I'm stuck, and I just wanted your input. You owe $18,000 on it? Yeah. I had a paid-for 4Runner a few years ago, and then I started a new job. You owe $18,000 on a car you have 250,000 miles on?