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@suupertrump Is the balance set aside for the cards not factored into the 12k? If you still have 12k after putting the 20 down on the car, so it's a 10k loan at the 3.9% I think I'd do that. You don't have a ton of cash on hand which is fine, but that gives you some breathing room for the...

@suupertrump Would need more info. How much savings outside of the car down payment do you have, what other debt if any do you have, are you trying to save for something like a down payment on a house?