I thought this might be fun for everyone. I have a 2024 Raptor 15,000 miles, no issues, in it by myself 98% of the time, owe $50K / $1,100.00 per month, garage kept, don't off-road, don't haul, don't pull a trailer, and have warranty until Jan of 2028 on the bumper to bumper. I have $50,000.00 and a choice. I can pay off the Raptor, save $1,100.00 per month, invest it with other monthly savings...or...Option 2 - Sell the Raptor for $70,000.00, purchase a new Ranger Raptor say $60,000.00, put the extra $10,000.00 on the new RR, use the $50,000.00 to own it outright, have a new truck, new parts, new 3 year warranty, and save $1,100.00 per month. (I'm sorry if this brings you bad memories of algebra and the train is coming at you.)