<prompt> Human: 32k Salary before taxes 2013 Dodge Dart Limited Bought on August 10 2013 with extended warranty with 7k down 22 Years Old No other debt 22k in the bank Loan is roughly at 15k now Live with GF with split rent around 400-500 each a monthincluding utilities It looks like Id save around 800 bucks, my payments are 257 with 60 months left, only 5,000 miles on the car. No investments, 401k, anythingI know thats a big no-no for this reddit, but lets not get into that. What is everyones personal opinion on my situation, would you pay it off to save 800, or keep the money in your bank for an emergency.  <response>: That is really only saving you 13.33 a month. 800 savings60 months left Up your monthly payment to 1.33x and every 3 months you will have paid another month if you want to pay it off earlier. In 4 years you will have paid a whole extra year already. Max out an ira with 5500. Put another 5-10k aside for emergency. With rest, make a house fund after taking 2k and treating yourself to a vacation or something. Have to live life while you can. 