pennypacker- IMO there are intangible things worth paying for, if you can (really) afford the luxury. I've sold cars when that was the "smart" way to raise cash (hey, no hit to the earnings stream, no capital gains.. seemed like a no-brainer), and most of the time I've looked back and decided I woulda been happier if I'd kept the car.
I think there are plenty of subjective things worth paying for as happiness isn't always determined by 100% objective criteria (hah! not by a long shot
). One of those might be keeping a car you like; question is whether that pleasure is worth the additional
x% that carrying the debt works out to
