<prompt> Human: The car note is my only debt besides mortgage. Should I use the 3,500 from the sell to pay off the note or take advantage of Roth contributions?Edit: Sorry for confusing wording. I have 2 cars. Use the sell of the paid-off one to pay off the other or contribute the money towards retirement?Edit: Edit: The tribe has spoken. I will pay off my car. That will give me 200 more per month that I can funnel into retirement.Would you take out a 3,500 loan to invest?No I wouldnt. Thank you all for the advice.  <response>: pay off the loan and the monthly payments you were making on the loan deposit into the IRA for the rest of the year 