I'd take it to my car dealership's finance office and get an early start on paying down the loan I took out two weeks ago. That'd leave about $8,000 more to go, or about 20 months and one good tax return away from renewed freedom and clarity. The car's name is Karza. I'm told that's Hindi for "debt." Don't get me wrong, I'm happy with it and happier I can get the loan at all, but I miss the three years I spent running around in my old, banged-up, sturdy, reliable and oh-so-paid-off '98 Nissan Sentra. Not having to pay anyone anything at all, that's my piece of the rock, Jack.