<prompt> Human: Hello all. I was in a tough spot credit score wise and I got hit with a 10 apr when I bought my car last year. I paid it for a year and barely made a dent in the principle obviously. As of last week I owed 10k on the loan which I had 51 more payments. After buckling down tremendously I managed to get my savings account to 16k. I said screw and paid the 10k leaving me with 6k in my savings. I have an efund and am able to pay all bills while still saving. Did I screw up and leave myself with a dangerous savings fund, or did I do the right thing?Edit - Should I have considered refinance?  <response>: From the information you gave, you did the right thing. Now you have extra money to replenish your efund. 