My Jeep payment is our last debt besides our mortgage. We are getting just over $4000 back for our taxes. I am leaning more to putting it into our savings account vs. using it to pay off the Jeep earlier. We are putting $150 extra onto each car payment which will pay off the Jeep over 2 years earlier. Putting $4000 extra pays it off 5 months earlier. I know the smart thing is to pay off all debts, but I really want to have more than $1000 saved for emergencies. What would you do?