<prompt> Human: Hello, and thanks for taking the time to stop by...A little background info to get started. Last year a great uncle of mine passed away. Upon his passing he left me a portion of his assests, that in the end totaled out roughly over 38k. Since then I have have paid off what debt I had at that time, bought some new stuff, went on a vacation, and put a decent down payment on a new car. After this is all said and done I have 15,700 still in savings. When I was gifted this money I was living with my sister and had minimal bills. My SO and I have recently got a place of our own, and now Im finding that Im needing to take borrow, with the hopes to pay back 100 each month from my savings to stay afloat. I have broken down all of my bills and trimmed all the fat with no more budge in my budget. My questionthoughts: Should I put a big chunk down on my car to try and give myself some breathing room for a year or so, in hopes that by the time I need to start paying out of pocket again I will have more income? Or should I just continue my current routine? I should add that I have loaned out 1k to my father...that he intends to pay me back soon, bringing my savings to 16,700, which is just enough to pay off my car. Should I pay it off?Thanks in advance. Edit: If i pay my car off I will have roughly 600 in savings.  <response>: Paying off your car, and depleting you savings, seems very foolish. Think about how much your worrying about it now with 16k in the bank, now think about how much youll worry with 0 in the bank. Youve over extended your budget by buying an overly expensive car and apartment. Learn from this mistake and get a less expensive apartment after your year lease is up to correct your budget imbalance. Good luck! 