<prompt> Human: Hi rpf,I bought an electric car last year Chevy Volt and just received my 7,500 back from the IRS. The car is financed at 2.74 interest. My initial plan was to just pay this full refund immediately toward the loan no penalty from the bank for doing this, but now Im thinking that it may be better to invest the money in something relatively low risk but higher than a 2.74 return, then pay it toward the car in a couple of years.What would you all recommend in this situation?Thanks.  <response>: Im a fan of going for the sure thing never was much of a gambler.Maybe youll make more than 2.74 investing in stuff.But youre 100 guaranteed to save 2.74 by paying down your debt. 