<prompt> Human: I have a question about whether I should invest or pay off my car which I owe 13,000. My car payment is 336 a month and annually I pay 472.76 in interest. Currently before taxes I make approximately 52,000 a year that is my 2015 number, will have slight increase for 2016 my estimation is 53,500. My average paycheck before taxes is 2300 with 11 of that going directly to my retirement fund. I also have an additional 403b that I put in 100 a paycheck 200 a month. My actual take home pay is between 1450 and 1550 a paycheck. On average about 3k a month. 2015 I took home 35,500. I have NO credit card debt. I have NO student loans. The only loan I currently have is a car payment where I owe 13,000. I pay 336 a month. My credit score is 739. I currently am renting an apartment with my girlfriend and do not own a house but would like to by the time I turn 32. I am 27.5 years old. I currently have 15,000 in my savings account, 2000 in an emergency fund, and roughly 2000 1500 wow silver has dropped of silvergold actual coins and bars not stock I was given when my grandmother died. My Expenses Rent 450 CableInternet 100 Electricity 40 on average Car 336 Car Insurance this has been paid in full until the end of June 2016 - 1400 a year includes renters insuranceAverage Monthly Spending - 500 a monthTotal: 1426 I feel like these are my three options in order from worst to best. Continue saving as much as I can afford and continue to put 200 in my 403b. Make the monthly payments on my car and eat the 400 in interest a year. This is what I am currently doing. Pay an extra 1000 towards my car loan a year that would help cover the interest and help me pay off the car slightly faster. This would allow me to invest a significant chunk of my savings. Use a significant chunk of my 15,000 in savings to pay a certain amount of the car loan. I am thinking around 5,000. Then pay 550 a month. This should allow me to pay off my car loan in 1 year and still be able to pay all my bills. Obviously I would have to cut down my average monthly spending but only by about 150 a month which I feel I could do. Also doing this will not allow me to invest as all of that potential investing money will go to my car. Any thoughts or ideas on where I should go from here? If people need additional information please let me know.  <response>: Personally I would use the savings to completely pay off the car loan. Then I would dial back the investing for the very short term, combine that money with the 340 you are not paying to a bank anymore, and work like a crazy person to get your emergency fund up to 3-6 months worth of savings. Once that is done, you will have no debt; have a good emergency fund; and be putting a good amount into retirement.As a side question: what do you have planned for the silvergold? Personally I dont like commodities since they can be a roller coaster and selling this would help get that emergency fund rocking. 