well i appreciate everything everybody has chimed in on and its all, well mostly, good advice. im not broke so im really not desperate, i was just looking into freeing up some cash. ive been in jeeps before and theyre the reason i got a t4r. a 90 wrangler with no heat, and a 08 rubicon with no room. ive decided to keep it, and the deciding factor came this weekend when we, being central new york, got 3 feet of snow dumped on us. what a safe and capable vehicle in the snow. The fun factor wasnt necessarily there because of the traction control and whatnot but i was more in aw of how well it held the road in such conditions. i have a 30 mile commute on mostly back roads. typically i would have called in to work, but i went mostly wanting to try out my new tires in the snow. my jeeps in the past with the same tires used to be all over the road mostly due to there short wheelbase. when i got to work my boss told me to turn around and go back home because the work van i drive as an electrician wouldnt get my anywhere but stuck in the snow. im gonna be talking to my bank about refinancing, well see what i qualify for after buying the house?