To pay it off or to not pay it off?

So I’ve a automobile cost of $450 a month and I’ve been making triple funds ($1500) a month on it to pay it down sooner. I owe ~$5,100 on it.

I’m getting an sudden early bonus this subsequent Friday and it must be approx $10-15,000. Give or take.

I even have a bank card that’s about $5,000 makes use of of its $10,000 restrict that I make $500+ funds on every month.

I’ve $1900 left on a 0% APY bank card buy which I’ll repay by the time period.

I put in $500 a month right into a MM and I’ve about $25,000 that I’m holding onto for taxes incase I owe as a result of I made much more than I anticipated final 12 months.

Anyhow. I’m debating utilizing this bonus to repay all debt and that method I get “all” of my earnings minus recurring payments after which I can actually begin build up that MM and investing in different areas.

My automobile mortgage doesn’t have an early repay penalty. And I imagine it’s at 6% APY.