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Why put yourself in financial struggle?

I don't think it is a good decision to rush. Just be a little more patient. You still have a fantastic car with relatively low miles, keep it in great condition and just wait a few more months. I bet once the lead-time to the new Mk5 GTI becomes closer, the salesmen will be tripping over themselves to sell you a Mk4 R32 - Despite its complete package, it is not a limited commemorative edition car, so don?t pay like it is.

Good luck mate.
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