Ma’am, all due respect to your financial chops, but your view is limited.

Not everyone is solely looking at a spreadsheet to calculate their bottom line.

It may be incredibly stupid for OP to try and sell depending on outstanding financing. OP may be in a place where they absolutely require the flexibility that gig work offers, but may be limited by disability from doing the type of delivery that Amazon/UPS/etc requires. It takes maybe 4 days a week max to get $600, and you don’t necessarily put a lot of miles on your car, if you choose your trips wisely.

(OP, don’t forget to record your mileage and expenses for tax time)