<prompt> Human: Im 26 years old renting a small apartment 740month that is split with my significant other. I make 34k a year. Currently I have 5,000 in my checking account and 22,000 in my savings account. I have 11,200 left on my car loan 4.89 APR, maturity date of 052020 with a credit score of 780. Future large expenses I have on my mind coming up in the next 2-3 years are marriage and purchasing a home, which will all be done when the money, income, and time is right. For now, Im wondering if I should just completely pay off my car loan and put the 330 month I would pay towards that a month into my savings account. I can comfortably afford all of my monthly payments as it stands right now. Just curious what most people in this subreddit would do.  <response>: Id pay off the loan, so long as it doesnt dip too far into your EF say 6 -9 months of the car loan payment. The 5 loan isnt terrible though if you end up keeping it maybe look at refinancing options, but if you can comfortably pay it off why not. Just make sure you have 6 months expenses saved up as an EF. You wouldnt want to have to sell your car in an emergency just to have saved you a bit of interest. 