<prompt> Human: I have a car loan at 12 with 16,000 remaining. I have stockssavings totaling a bit more than that but that is about all I have other than my 401k. Would it be best to simply pay this car off even though it will pretty much deplete my reserves? Edit: not 21, 12. Sorry.  <response>: You probably arent getting 21 returns on your stock, so Id ditch the shares and pay off the loan 