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A few comments:

If replacing the car, you'll want to look at improving your gas mileage and/or anything you can reasonably do to lower the insurance.

Next up, you are at a critical point in terms of taxes - the top 20-30% of your income is getting taxed in the 25% tax bracket. You are also phasing out of certain tax credits - Take a look at your taxes and see if you have ways to lower your AGI, and make sure you can get credits etc that are available -
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