<prompt> Human: Hello! Im 25 years old unmarried and no kids. I was putting together a monthly budget today and I decided to check the balance of my car loan. It turns out I just passed the halfway mark to paying off my car. I bought the car new in 2011 with no money down I didnt have any cash at the time for about 23,200. My monthly payments are 433 and the current remaining principle balance of my loan is 11,634. Using an amortization schedule calculator, it looks like I have a nominal annual interest of 4.4. I have about the same amount of money in my savings account as I owe on the principle and I cant decide whether I should pay off the loan or not. If I were to pay off the loan today, it looks like I would save about 1128 in interest payments over the remaining life of the loan absolute terms. It would also free up 433 a month to be used for other things most likely to build up an emergency fund again and invest the rest. However, I wouldnt have any other cash savings remaining if I were to do this. I was also hoping to be to purchase a house in the next couple of years, so I would be starting over my savings process for that. I cannot decide what the more prudent financial decision is and I was hoping to gather insight from those who may have been in a similar situation or from anyone who has a bit more financial planning experience than I do. My gut reaction is to pay off the debt.Extra info: I have about 12k in my Roth 401K.  <response>: Pay off 6k of so keeping 5k as a completely untouchable efund. Then settle the balance of your car as quickly as you reasonably can. Then roll that payment and all your additional savings into a downpayment for a house and try not to borrow money for a car again! 