<prompt> Human: Hello, I have been browsing this forum for 6 months and it changed my life. I am 28 years old and live with my mom, and she helped pay for my college and for some other things. I am trying to make my way in the world, I have an analyst job making about 44,000 and a side job at a grocery store making 10,000. I am not the smartest person but Im trying my best and living at home to save money.I have had many cosmetic surgeries due to being transgender, facial surgery, 3 hair transplants, and breast implants. I paid at least half, my mom paid some for the facial surgery, and insurance covered some of the surgery. I feel I look more like a woman now so I feel that goal is achieved, now I need to lose weight. I admit this has been a HUGE expense but I have felt transgender my whole life and I dont want to get more into that but it has been a huge expense but its over as of March 2018. No more surgeries, now its on me to get in good shape, get better clothes, wear better makeup. Im done.In September 2017 I had 7300 in an old 401k, and 15,000 in the bank money I got back from the facial surgery insurance reimbursed. I read this forum and put 5500 into a vanguard IRA, and since then I have set aside 12,000 of income into two new 401ks for my current job and side job. So my retirement is about 25,000 right now. I also paid 5800 for that third hair transplant I mentioned will be my last cosmetic surgery, which ate into my savings.When I was 19 my mom bought me a 2009 Toyota Corolla and it had 18,000 miles on it. I drove it into the ground I live far away from college and most jobs and it has about 200,000 miles now and last night the check engine light came on. I brought it into the dealership today and got the bad news that it needed a new engine. I didnt want to pay 5000 for an engine with 82,000 miles on the engine plus whatever it would cost to replace other parts wearing down, and I had just paid 2000 in the fall to fix shit in my car.I decided to buy a new car, a 2016 Toyota Corolla with 10,500 miles on it. I have 5500 in the bank presently and the car cost 15,000 16,102 after taxes, and on Monday will pay 5000 cash and the rest in a loan. My interest rate is 4.39. I also bought for 2000 the vehicle service agreement so if major problems occur until August 2023 or I hit 100,000 miles, I will be covered. I also paid for a GPS service that tracks my car if it gets stolen, and I paid about 1500 for two services that I believe are mostly for keeping the interior and exterior of my car in good shape this might have been a waste I feel paranoid. I get 10 of these services over 5 years.So all in all I took out a 16,000 loan and paid 5000 cash for about 21,000 for the car including Mass sales tax. Do you think I am okay? Did I overpay for this car or is this a good deal? I wanted a car that is fuel efficient, reliable, and a decent price. I work from home heavily now so I drive 10,000-12,000 miles a year instead of the 20,000 I was driving before, and I was an aggressive driver when I was younger and I will commit to being more tender and careful with this new car.As of now, I am making hopefully 54,000 this year, I have 500 in the bank bad, no credit card debt, this 16,000 loan for 5 years, and 25,000 in retirement. I live at home and have low expenses outside of these expenses. I want to pay off the car this year, there is no early penalty to paying off the car quickly if I so choose. Should I still contribute to my 401k and IRA this year other than so I can reach the employer match, or just pay off the loan ASAP?  <response>: You should cancel the interiorexterior protection packages as well. They basically sold you all their top dollar producing products. 