<prompt> Human: Hi,this might not be that big of a deal to some of you, but 20k is still 20k. Im living paycheck to paycheck trying to get out as quickly as possible. right now, Im working on getting a budget together. Im about 20k in dept, have a credit card which is only used for my netflix subscription and stay abroad. I get payed about 2.2k net and have about 1200 expenses apartment, internet, phone, food, car insurance, gas.the car payment which is about 15k loan is at 230 p Month. A second load I took about 5k is at 120 p Month. I dont have any financial benefit from paying off the loan early besides it being off the table. I have fixed interest at around 3.Savings: 2.5k are currently split up in two stock fonds LU0171290314 and DE0008475070 and 2500 sitting on my bank account for a already booked holiday the rest of it as emergency fund. I have 14 month income, the 13th and 14th usually go onto the savings account for upcoming holiday or christmas. Retirement and health care is covered by the state. Im about to sell my macbook I dont need, which will likely get me about 2.5k.tldr: I have about 600 left 29k debt. should I pay off the two loans as fast as possible fixed interest at around 3, should I put money to a savings account, try to invest?  <response>: If you want the debt to go away, you have to actually pony up and start throwing money at it. It should be more of a priority than vacations, renting a car from the bank, or stocks. 