<prompt> Human: In tons of negative equity, which doesnt bother me since I plan on keeping my car until it breaks down. However I would like to completely pay off my car within one year. Payoff is 17,100. This is definitely doable with a bit of frugality.Would it be better for me to save up the cash in a savings account, and then pay it off, or just pay doubletriple on the loan every month? Interest rate is 4, however my concern is that, if I pay on the loan every month and then something goes out, I wouldnt have that money saved up. Is there anything wrong with having a dual emergency fund loan payment savings account?P.S. And yes, I DO have GAP insurance...  <response>: I would build your emergency fund to 6 months of expenses then start paying extra every month on the auto loan. Be sure to talk with your loan provider first as to how they prefer extra payments, as you want to be sure theyre applied to principle and not future payments. 