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I have another 3 years left on the note for my V6 Passat. I am completely satisfied with the car (other than minor electrical hiccups), but I'm having a hard time with the idea of ponying up for another 36 months.

My short-term personal goal is to be debt-free, other than the car and motorcycle, by my 30th birthday in December. I'm considering trading in my VW for a cheaper vehicle that perhaps better suits my lifestyle now, anyway (used '98, 99 Wrangler). I can haul the dog, tow my motorcycle, and pay off that note in 12-18 months. I'll sooner be able to address paying off the bike and saving in a more unholy manner for retirement.

Has anyone bailed on a car they liked owning just because they were greedy about not having a car note?

(love that W8, though)
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