Abracky, my advice for everyone, is if you got a decent used car you do not need, sell it NOW to the car dealers who are begging for stock and have none. Get your credit cards and such in line going into 2022, and then, you may be able to exist while so many others will not, going forward under this Administration...
BTW, sold a Toyota 4 Runner for more money that we bought it for just 4 1/2 years ago !!! :-)