<prompt> Human: So, I just graduated in May and got a promotion through work. My first fiscal goal was to pay off my car loan. I started paying more than double the payment amount but that still wasnt enough for my obsessive fiscal plan. I was at a terrible rate because of some credit disputes at 9.25 took me 1 12 years to get it resolved.I got to the point where I could drain most of my savings and pay it off that month. I did the math and checked it all and found out that I would only have to live cheaply for that month and then I would be fine. it would save me about 30 a month in interest off a used car.Well, I did it and then 3 weeks afterwards my clutch broke down and they had to do some other repairs. It cost me about half a months pay. This month will be pasta month, because of I do not want to pay credit card purchase interest. So it has been declared.tl;dr: Paid off car; car broke down and now Im riding the interest in my CC rather than the auto loan.  <response>: This is why you build an emergency fund that is conceptually different than savings 