as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
where should i be investing my money?
user
pay off your debt.  as you witnessed, no "investment" % is guaranteed.  but your debt payments are... so if you have cash, the best way to "invest" it is to pay off your debt.  since your car is depreciating while your house may be appreciating (don't know but it's possible) you should pay off your car loan first.  you're losing money in more than one way on that investment.
assistant