Question (not trying to be a jerk). Did you buy the car new 4 years ago? If so, how on earth do you still owe $10K? Balloon payment? These cars are not investments. If your plan is not to lose money, simply drive it into the ground. I'm at 115K and have had it paid off for over a year now. Could the car have been better built? Probably, but it didn't cost BMW prices either. And BMW doesn't offer the lowball financing that Ford does anyway. In any event, sure there are a lot of cars that catch my fancy, but not enough to sway me back into making payments again.
