<prompt> Human: Some little facts before anyone makes an answer:- My car is a 2012 model, bought it brand new.- Interest on car loan is 1.79- I dont owe anything on student loans until fall of 2014. total I owe is around 9,000- Although it exists, my retirement plan is pitiful thus far.My plan was to keep making payments on the car note since its such a low interest rate. Take 5,500 and max out a brand new Roth IRA since my retirement funds could use a major shoring. Take the remaining 2,500 and throw some at the idle student loans. Thoughts?  <response>: Max the IRA and pay off your loans as Im assuming those have a higher interest rate than 1.79 