<prompt> Human: I currently have 6k of debt on a credit card, 15k on a car payment, and 1.5k on a Best Buy credit card. I just received 11k in a check from doing some extra side work at my job. Im planning on paying off some debt but I dont know what will be most beneficial. Credit card - has 0 interested rate currentlyBest buy card - has I believe a 15 but I can make extremely small payments so its not a burden. Car payment - has 15k payoff, 7 interest rate, currently making 500month payments. Should I drop 11k on my car and refinance it? Or pay off my credit cards and just keep the leftover 3.5k as emergency money?  <response>: 1. That 11k isnt going to be fully 11k. If its side work youre going to have to file a quarterly estimated tax payment on that, so youll initially lose likely around 25-30 of it. Itll come back to you on your annualized income return when you file your 18 taxes. 2. I would totally pay down the best buy card because its your highest, then throw some at the car payment and just make sure youll take care of the 6k by the time the 0 period is done. 