<prompt> Human: Greetings everyone,A little background, I am a recent college graduate 23 with no student loans and was fortunate enough to land a job in IT with a net income of around 57k. Upon graduation, I decided to purchase a new to me vehicle. At this point in time, I have made steady payments on the vehicle and have put myself in a situation where I can pay off the loan, but do so using almost all of my emergency fund. At the moment, the current value of the loan is at 16,000. In paying off the loan, my emergency fund would be at around 1800. The current interest rate on the loan is 3.21 and the monthly payments are around 345. At the moment, my only expenses are insurance 114, fuel 60, and my monthly credit card statement. My question is, should I use my emergency fund to pay off the loan and rebuild that fund, or just tough out the loan and wait to pay it off? I am also making contributions to my 401k matching the employer at 6 and also making small contributions to my ROTH IRA. Any help would be greatly appreciated!  <response>: The current interest rate on the loan is 3.21This isnt an emergency. 