<prompt> Human: Long time lurker here using an alt account.So as the title says I have 38K in liquid money savings Ally checking USAA. I currently have 31K in car loans one is 16,270 0 interest and the other is 15,000 2.3. Im paying 400month on the first loan and 255 on second. I have no other debt.Im an E5 in the military and put 500 into my TSP each month, 600 in savings, and my take-home after all rent and utilities are paid for is around 1K. Realistically I could put the 600 that Id be saving from my car payments directly into savings to replenish my emergency fund start saving for a house. Using that logic it would take about 25ish months to get my savings back up to what it is now.Is this a good idea or not? Im seriously considering doing it...however my only hesitation is the fact that my wife just gave birth to our first child a month ago. We cut back on eating out and other types of entertainment not necessarily voluntarily lol so our expenses have remained the same, just shifted towards the baby a bit.Im just trying to get a pulse on what PF would do.Thanks in advance!EDIT: Thanks for the replies. You guys put it in perspective for me. Im going to leave the 0 loan alone and continue to weight the pros and cons of paying off my other loan. Thank you!!  <response>: Keep your 0 loan as long as possible. Keep a big emergency fund for the new kid. If youre flush, put extra money into a tax advantaged vehicle. 