How are you getting $400/month with a $39k car (with your $5k down from $44k) financed I'm assuming over 60 months at ~ 5% interrest? I come up with ~$800/month (assuming ~8% tax). Does the Volvo have that much positive equity?
2002 E39 M5 / TiAg / Tubi Rumore / E60 SSK / Blanton 3.45:1 7 disc 40/100% locking diff / NCS Coding / Coby Alcantara / StrongStrut STB
2000 E36/7 Z3 Roadster Schwartz*3 / Rogue RSM / Rogue Trans Mounts