<prompt> Human: So I am on track to pay off my car by December yay after aggressively paying it off over three years. In June I received a raise that allowed me to throw an extra 400month at the car loan, so this amount was not previously in my budget. The way I see things I have four options for what to do with this money once the car is paid off. Id like some advice on what the most fiscally responsible choice would be. 1.Put the money towards my 7,500 student loan balance. I currently pay the 150month minimum with a 3.5 interest rate. Im four years into the pay off period. 2.I recently rolled over a Roth 401k into my new employers 401k and put the other half into a Roth IRA. I am not currently contributing to the Roth IRA due to budget so maybe this is a good time to start contributing?3.Help my husband with his car or student loans. I dont know the exact balances but he pays 250 per month for the car and 350 per month for the student loans. He is 3 years into the 5 year car loan and also 4 years into the student loans. While he drops windfalls into the balances tax return, bonuses he rarely if ever does more than the minimum payment. The car loan is 3.9 and he has student loans ranging from 3.5 to 4.5. 4.Increase emergency fund. We currently combine our savings and emergency fund in one savings account with .35 interest. I was thinking of moving the emergency fund into a money market account and beefing it up a bit since right now we only have three months of expenses saved up. We have very loving and generous parents so I always figured we could rely on them in an emergency but we are getting to a point where it is probably a good idea to have our own back up plan in case of job less or medical emergency. Would also be interested in hearing if there are other things Im not considering. Thanks for your advice.  <response>: Follow the flowchart 