<prompt> Human: Pretty far in debt and trying to turn it around. Have a credit card with 8.8k in balance at an apr of 16.24 about 120 month in interest but also have a car note for 7.2k with an apr of 3.75, however the loan has accelerated and costs about 600 per month. I also have other ccs at smaller balances and lower interest rates. Ive talked to a financial advisor and she recommended putting the money towards the cc, but I just cant see how paying down the car note and freeing up 600 per month isnt the best idea. The money saved by paying down the card seems like considerably less money. Any advice is very much appreciated!  <response>: This is a good example of the difference between savings and cash flow. By paying off the high interest credit card you are saving money, By paying off the car, you are gaining cash flow. They are not the same. 