<prompt> Human: Hi all,I am a huge car guy which has led to plenty of financial mistakes. I owe 25k on a car thats worth maybe 17k right now so Im upside down about 8k. Im also carrying about 20k in CC debt. I make 40k a year after taxes and after crunching some numbers, I can afford to throw 1k a month at either my CC or my car. What would be the smarter choice? I want to pay down my car but i feel like i only want to do that to trade it in and get a cooler car which is something i need to learn to not do or pay down my CC which I can do in roughly 20 months. Any input?  <response>: The interest rates on the CCs are probably higher than the interest on the car loan.I would pay off the CCs in 20 months, then add the minimums you were paying on the CCs to your 1000, month, and pay off the car loan which will be less than 25k after 20 months of payments.Good luck. 