<prompt> Human: I owe 9,300 on my car, which I financed at 3.1 interest. My savings account is sitting around 17K. Id like to take some vacations this year, finance some small-ish home renovations and still have some money saved for emergencies. Should I keep the savings or pay off the car 330month payments?The answer seems obvious just keep making payments, but I want to be sure Im not missing some smart financial move. Help?  <response>: since 3.1 is higher than your savings account interest rate, paying off the car is the financial optimum. You would then have an extra 330 a month to put back into savings or towards vacations projects. If this would not leave you with enough savings to meet your desired goals, then pay off half the car, or whatever you are comfortable with. 