<prompt> Human: Hi all -My company surprised me today with a 7500 bonus. I have 0 credit card debtOwe 7500 on my car that is worth 6,000 and has 75,000 miles on it. Upside down due to a stupid BMW purchase I made when I was younger. Interest is 4.5Owe 161,000 on house at 3.78.I have a decent emergency fund.My question is: should I pay off my car and bank the 410 monthly payment or should I put the toward my mortgage? Which and why? I assume the mortgage is smarter than the car, but if I crash the car, Id be out about 2000 that I wouldnt have been if I crashed it while still paying due to 3mo gap insurance.Thoughts?  <response>: Is there an echo in here? Wipe out that pretty high 410mo payment on the car to free up your monthly budget which can then potentially be put towards the home in the future to pay that down faster. 