depends on your monthly budget.

do u wnat to roll in style with a new car with all new luxuries, or do u want to be fast?

do u want to come out of pocket like 7k at once? or 20k over next 4 years?

but remember the money u will put into this swap, u will never be able to sell it for that. so do u plan to have it for years? to get your moneys worth?

or would u rather have a new car and build it?