<prompt> Human: Should I pay it off? Its only 2.99 and 171 a month but it would be nice to have no debt. I earn 2000mo after tax right now and that is going up commissionI have 4500 in bonds my parents bought me as a kid. Should I use 2k of those and pay my car off? Maybe use ones under 2.99?Have about 20k in stocks too and none in Ira or 401k. Im 23.  <response>: Pay it off. Its 2000 dollars and you have the capacity to do so. Once you have no debt you can start building up your emergency fund and 401kIRA. 