<prompt> Human: So I bought a brand new car, now I have 28k left on the loan. I also have 29k saved up right now. I am dying to just pay off the car outright and get rid of the debt, plus save on interest. My payment is 570month. Yes, that is a lot, but I specifically went for the shortest loan period. My main concern is that my savings are meant to be used for my safety fund. I dread the feeling of now having a safety net for a while. What is rpersonalfinances opinion on this? Do I keep making high payments with my safety net in place or do I pay it off and use freed up cash flow to build up another safety fund?  <response>: pay off loan and save 570 month 