 what you do next is going to determine how quickly you want to get out of debt and how quickly you want to get right side up on this situation you might decide hey i'm going to buy a beater like a complete 8 000 beater i'm going to drive that i'm going to 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