 to that and i love it may not be more than a happy i don't know you said your car is more than your income i don't know your husband's income is so there's a variable there uh... the if you do want to get rid of it because you have so much shame and regret you know i got a downgrade you need to come up with the difference in cash if you're under water so if you uh... let's see you know thirty on the car it's only worth twenty well you need to have ten thousand dollars cash in order to pay off the loan and clear the title so that's one option then you go pay cash for the next car