I am actually going to pay off some bills in the next 6 months and put some money away on the side at the same time. I have looked into trading my car in several times over the last year at CarMax and what they offered vs what I owe has always been about the same. I realize that I will always have negative equity in it unless I keep it throughout the loan. I did the math based off of the current gas price/my avg mpg on my car and the avg mpg of the TCH reported by many on the net (low of 30, high of 40 = avg 35mpg). The first year of owning the car I figure I should theoretically save around $1700 (remember I am putting in premium fuel right now). That would in essence cover the cost of paying the difference of my car from what I have been historically offered by CarMax. When I am ready to buy I will go to CarMax and hopefully see the same ratio for my car (CarMax offer to what I owe on the loan) and then go to a dealer. If the dealer won't meet the offer then I will probably just go back to CarMax and sell them the car and the go back and buy the TCH. Let this be a lesson to anyone else who thinks about making an impulse buy like I did. I love the Bonneville but wish I would have done the research that I have done this time.

I realize that i will be missing the end of the hybrid credit but I am not gooing to rush into this just to get a credit. I will be getting a much bigger tax break when my child is born right at the end of the year.....a whole years worth of credit for 1 week of life :-) As I get older I am realizing that if I take my time and wait I can usually get what I want not what I will settle for. My car is not broke down and they are not going to stop producing this car anytime soon so I can afford to wait. I do appreciate everyones opinion as it is good to hear both sides of the story.