<prompt> Human: I have a car that is nearing the end of its loan. I have about 2100 left on the loan. The loan should be paid off in just under a year if I make the minimum payments. Ive been paying somewhat above the minimum so Im a little ahead of the original amortization schedule, but not by more than a few months.I just bought a house so my only debts are this car and my brand new one-month-old 112k mortgage. Im getting married in June and she also has a car that is nearing the end of its loan.After the down payment on the house, I have about 9500 left in savings. Obviously, I could pay off the car in one fell swoop and still have a relatively healthy emergency fund. My health insurance has a 3k deductible but covers 100 after that, so I feel like as long as my HSA plus my savings have 3K, Im covered for any health emergency. Job is stable and not likely to go anywhere so I cant see many other emergency situations realistically coming up. Id like to just pay off the car and be done with it, especially because its a car I dont drive in the winter and I can save some cash reducing the insurance to comprehensive only during winter months when it just sits in the garage once its paid off. That said, I dont think there is much room for savings as Im currently only paying 45 per month for full coverage on that car and liability on the other. Im just sick of making payments on it and would like to just be done with it. Part of me wants to pay it off, but part of me doesnt want to reduce my savings any further after spending much of it on the down payment for the house. My interest rate on the car loan is quite low 3.5 and my savings account is 1.35 interest, so all things considered, theres only a net difference of about 50 over the next year either way. Should I pay it off and enjoy a few months of being debt free besides the house until I inherit her car loan, that is or should I just ride it out to avoid lowering the emergency fund any further?  <response>: I just bought a house.I cant see many other emergency situations realistically coming up. 