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If you can do without the F87 I think you should sell the F87 now. Used car prices are dropping. It is worth as much money used now as it ever will be.
Then you can use what you sell the F87 car for -- plus what you save dropping insurance for the F87 -- to lower how much you finance to buy the M2 which can only save you money given the interest rate I believe the new car loan will run you.
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