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Well the thing is that you won't be able to sell your civic for even close to as much as you owe on it. You would be looking at selling it for under $10k, and you still owe $12k on it. So after you sell your car, then you'd still be paying on it. And then once you sell the nice car, you'd still be paying on it instead of modding the 92. So then after you pay off the 98, then you would have a car with no payments that you could mod like crazy.
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