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Think pete c hit the nail on the head: do some research to figure out what your car is worth, then shine it up, sell it & replace it with something more efficient with a manual transmission.
An XFi would be grand, but they're getting old, and rare as hens teeth. And unless you're a hard core efficiency nut that must have one of the "high performance" models of the fuel economy world, the XFi's savings over any number of other efficient compact cars probably aren't worth the time & trouble.
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