<prompt> Human: I am 31 years old and almost debt freeother than an auto loan. I was just able to pay off almost all of my debttotal of 15K and I have a savings account with 25K. My current monthly net income is 3,600 and expenses are very limited. I have an annual bonus of roughly 40-70Kdepending on my performance and is paid in March. I am single with no kids and I rent a small 1 bedroom apartment600 per month. I have a car loan of 50k with 3? interest750 monthly payment. My only plan right now is to put 600 per month in to savings and travel when I have time. I am not sure what else to do at this point and any advice would be greatly appreciated. Thank you!  <response>: Gratz on paying off the debt. About the car, if you like it and it brings you value, keep it. Obviously its a little high, but if you like it and enjoyappreciate it, go ahead and keep it. Pure math would tell you to have no soul and enjoy nothing and sell it and buy a 10k car, but as somebody who bought an expensive new truck, it aint that bad. The savings: Where does 25k fall in terms of expenses? 3-6 months? I would go for a 4 month savings in your scenario. If thats 15k just example then you could use that other 10k for your next goal, like maybe saving for a house. If not, use it to fully fund your IRA. If youre already doing that, work on fully funding your employer retirement plan if applicable. Once all of that is satisfied, if you still have funds, throw it in a taxable account at a discount online brokerage theyre all fine, but people around here worship Vanguard. FidelityCharles Schwab are fine options, I use Etrade. If my info is too jumbled, consult the flowchart 