<prompt> Human: I have an auto loan which is 34k at 4.79 percent interest. I have 40k in my savings accountemergency fund. Would you pay off that loan and build up savings again? Car payment is 651month. No credit card debt, maxing 401k, low interest student loans and a mortgage if that helps with the picture. Or is it silly to leave only 6k in that emergency fund? Thanks!  <response>: You could pay off a sizable chunk of it while still maintaining a decent emergency fund.It depends on these factors:- your age- how quickly you can build your e-fund back up- your risk factors job loss, medical issues, children, if these are low you could be just find with a 6k fund- Are you maxing out IRA contributions too? 