<prompt> Human: I am in my early twenties and married a few months ago. We have zero college debt and found decent jobs out of school. We currently have 7.5K saved up for 3-4 months of expenses. We owe 34K total on two cars and both have 2.9 rates. We would like to purchase a home in 5-6 years. At a minimum we have 1,200 a month left over after all expenses. I work in B2B sales so I have a salary comm. Commission can vary from 100 a month to over a 1,000 dollars a month. Would you start saving the extra income for a downpayment or pay of the cars as fast as possible? 2.9 isnt great but its extremely manageable. Let me know your thoughts.  <response>: I, personally, dont feel secure unless I own outright a car. If trajedy hits, at least you know they arent going to reposes it. On the other hand, making payments on a car loan is good for your credit if you are planning on a mortgage. I say payoff one vehicle quickly while building savings. 