Of that $9000, how much is for emergency? What else is it for? I ask because depending on how much is there and for what, I'd rather you continue as you are if everything is functioning well and you're living comfortably. Maybe you can adjust the numbers a bit. Like put 200-250/mo for savings and the rest for car loan. Of course it's good to pay of car loan as fast as possible. But also remember to still have a life