 quickly you want to get right side up on this situation you might decide hey I'm gonna buy a beater like a complete $8,000 beater I'm gonna drive that I'm gonna put my wife in the forerunner because it's a little bit better and that gets you closer to paying off this the student loan you have then you turn around you pay off that personal loan you had and then in the end you're debt-free and trust me you'll be able to upgrade car quickly with a $230,000 income and no debt