So I made some dumb decisions. Luckily I'm in a good enough position to live with them, but I want to do better in the future.

Right now my wife and I each have a car. We did shorter payment periods to get lower interest rates. So our monthly payment is about 3000 combined. Yeah, that's a lot. So now we are in a position where we are making huge payments on two cars for a few more years. We owe more than the cars are worth, cause cars depreciate FAST.

The question is, what should we do? Live with the payments? Trade the cars in for something used, where the four combined payments (two used cars plus paying off the remainder of the new ones we are driving) will be lower than the current 3000? Rob a bank and pay it all off, plus still have a couple million left over?

I am leaning toward the last option, but I want to hear everyone else's thoughts.