<prompt> Human: Hi All, Im 28 yrs old and I want to start investing and saving for retirement and potentially a new home in the future.I have about 2.5 months expenses in an emergency fund. I feel pretty secure at my job and can get another job no problem if let goI currently have about 4.5k in a 401k no longer being contributed to , I switched companies and no company match at my current placenbsp;I just finished paying off a CC and now want to start paying off my car or invest in retirementfuture goals.nbsp;I owe 9300 on my car. Current interest rate is 4.02nbsp;I was thinking of putting an extra 300 to it every 2 weeks on top of the monthly payment of 279.nbsp;However I wanted to see if I can make that money grow elsewhere. I was thinking of transfering my 401k account to a roth IRA and start contributing a bit every check to it. I wanted to pay off my car first because it would just give me a better piece of mind but I wanted to do the numbers first and see if it willbe worthwhile to do something else with it.nbsp;I can get the car paid off in a year or so. Or will it be more worth while to put money into some type of investment account and only pay the minimum. Payoff Day if paying the minimum is October 2021.nbsp;Thanks!nbsp;Also - Any recommendation on investment books or popcasts?  <response>: Make sure that if you choose to pay extra toward your car, that the extra actually goes toward principal and not advancing your due date. 