<prompt> Human: My company offers a 401k program where they match 50 of my contributions up to 8 of my salary. However, I do not become fully vested in those employer contributions until 5 years of employment this is important. In addition to contributing 8 of my salary to the 401k I planned to contribute 5k per year to my Roth IRA.I also have a car loan with about 7700 remaining at a 16 APR. The problem is, I do not plan on staying with my current company for more than one year personal reasons, I would rather get a job back home, but I needed a job for experience meaning that I would only be 20 vested in my employers contributions, or a 10 rate of return on my contributions.I am wondering if it might not be a better idea to use what would have gone towards my 401k and put it towards paying off my car loan faster. I will still be saving for retirement with my roth IRA.Thanks for any advice.  <response>: 16 is rape, pay that car off. You will have more money in your pocket in the end. Just make sure there is no prepayment penalty 