<prompt> Human: Income: 110k pre tax Debt: 11k car loan thats it. Mortgage paid off, no other debt Liquid cash: 36k I add 1k a month to thisRoth maxed, 401k maxed. I have a 2013 camry hybrid worth between 11-15. I currently owe 11. My payments are 700 a month and the rate is 0. What are my different options?  <response>: Literally anything that earns money is a better use for the money.Even a 0.1 interest savings account. 