Almost $650/mo equivalent on a left over 19 A4 looks pretty poor to me. Hard to tell if it’s a bad deal because of the numbers on the A4 or if it’s because of the trade in without more information.
Well I don’t know if you have noticed, but the economy is in the toilet and still sinking, unless you absolutely need it because you’re over miles or something, the smart money is to wait. I’m not sure I’d to dump $4100 of cash on something I don’t need. I don’t know what you do, but anything could happen, more layoffs, companies folding etc. Hold on to your cash, cash is king
It’s not a terrible deal, but the negative equity certainly doesn’t make for a good payment. I’m also unsure of the breakdown of your drive offs, seems high even with NY taxes up front.