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Purchase
Replace my aging car — finance a newer one or keep repairing
Immediate — days to weeks
Context
My car has 130k miles and just failed inspection. Repairs are piling up and I found a reliable used option for around $16k. I could finance it over 4 years or pull from savings to buy it outright — but that wipes out most of my cash cushion.
Goal
Work out whether the monthly payment risk of financing is worth it, or whether I should hold on and keep patching the old car for another year.
Analysis dimensions — pre-configured
Reversibility50
Upside Potential55
Downside Severity40
Downside Likelihood35
Dependency Risk25
Long-Term Alignment60
Sky bars indicate dimensions working in the decision's favor. Gray bars highlight areas of elevated risk or cost.
Run this scenario through the full structured analysis — blindspots, second-order risks, and a complete Decision Strength Index.
Run this analysis →Free · pre-loaded with this scenario · takes about 2 minutes