This is the first time I have had a car payment (or any debt at all) in many years. As of now we owe $9500 on our car (put $6000 was $15500). Well since we cleared out some of our savings for down we have $5500 leftover in savings which is 3 months living if something was to go wrong. I only have 4% interest on the car so about $27 mo/interest. My question is, is when we get extra moeny should it go toward car since it builds interest or savings to build a 6 month cushion? BTW we have about $800 a month to go to either. WWyd and why?