Hannah is $29$ years old and is about to get a raise at work that will add about $$200$ to her monthly paycheck. She wants to buy a new car to replace the four$-$year$-$old car she is driving now. She has $$1,000$ in her emergency fund and a credit card balance of $$650.$ If she trades in her car and buys a new one, her current payment will only increase by $$75.$ She is leaning toward doing this because she would still have $$125$ extra per month. What advice would you give her? Support your answer with reasons.