You should feel very lucky to get 300k out of a focus.
We bought 6 of them as fleet vehicles years ago and they all started detonating at 200k.
It was just one thing after another.
Great MPG though.
It sounds like you try to stay in shape so I will be the outlier and say buy a new mountain bike that has enough "wow" options that will motivate you to use it.
It gives you an option to running every time and keeps up your lower body strength.
Your long term health is the greatest investment...
If someone doesn't have the money to pay for a car repair then the interest rate on a HELOC is definitely going to improve their financial situation compared to a CC interest rate.
I'm sure you won't mind assigning me the appreciation gain over the next 20 years when you sell it then...
The wife in the background in these situations always makes it more interesting.
I sold a fairly expensive rifle on here a few years ago and the buyer had mentioned his wife having reservations.
(I asked for a check, not electronic payment.)
He's still tipping over elk with that rifle I hope.