I'm halfway done with payments (60 months total) on my 5 Sport AT. There's a 2012 Mazdaspeed3 with tech package still on the lot, new, near me listed for $22 (sticker $27k), which I can probably get for $21k or lower. Or I can get a Subaru Crosstrek (used, low mileage) for $19.9k, most likely...