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[quote=Anonymous][quote=Anonymous]Op, how many payments left?

For now as others have said spending 3k a year is considered upkeep. It’s probably less then your car payment per month and the goal is for you should be 5 years of no payments. 
So you can save that money towards a new or newer car.

You did belts and hoses. At this point it should be oil changes and drive it till about 225k Miles.  That’s about when you have to make the big choice. As then they need exhaust, rear main seals leak, tires again, etc.

If you really want to replace because it stresses you out,
I suggest the Honda Pilot. Find a low mileage 2016 or 2017. 
For around 30k.  Make sure the tires are new since that can cost $600-700 quickly.  And then enjoy it.  Get the shortest payment plan you can afford.  You will get 150k Miles with just oily changes now adays.

And take both your cars to car max. Get a value. 
Trade in the one thy either nets you the most or in the worst condition. [/quote]

They are still paying on a 2013 Ford. No way on earth they will get 5 years payment free. I would not buy a new car now, but wait until it dies. Then, I would buy a Honda. Toyotas are not lasting these days. Don't buy used - you don't get much of a discount, and you can get cheap financing on a new car that you can't necessarily get on a used car. Drive that Honda into the ground. [/quote]

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