A question was posed: Would you empty your savings account of $18000 to pay off a car note that had 2 years remaining? NO! True, having less debt is a good feeling, but having a big money cushion is a good feeling also. My motto: "The bigger the CUSHION, the softer the bed." This means, the bigger the money cushion you have the better you sleep at night. In this present day economy, its not wise to spend all your savings, you Never know what may happen. To thine own self be true, if I quoted that right.