I have done more than a few cars in the last 30+ years in business that had people underwater. Here is my opinion on that matter. Most of those cars had some sentimental value which can't be valued. Others were it was the car they wanted, color, engine, trans, ect, and in the end you can't take it with you. As some of you age you'll find that money is not the hear all see all it was when you were chasing your tails off to earn it. Comes a time when there is less in front of you than behind you and you just want what you want. To the original poster. What is your time frame?