<prompt> Human: Long story short I have a vehicle loan of 7800 2.34 and the vehicle is expected to be paid off by mid 2020. Last year I began building upwards to a 3-6 month emergency fund currently 9000.At the moment Im considering paying off the vehicle in full still would have more than 1000 in savings; however, Im not sure if its a great idea or not. My plans thereafter were to of course start saving again and saving my monthly car payment plus more if feasible. Would you: A pay the car off in full or B wait it out?  <response>: That interest rate is really low so youre probably better off using that money elsewhere. Do you have any other debt at a higher interest rate? I would definitely pay off anything higher first. Are you contributing significant amounts to a 401k and a Roth IRA? 