Pay off your car loan early if the rate is above about 7% and your emergency fund is set. Under 5%, invest instead. The math on a $22,000 loan at 4 rates.
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Matt Schuberg, CFP®Monarch Money alternatives compared for 2026: Planned, YNAB, Copilot, Simplifi, Rocket Money and Empower, with real pricing and who each one actually fits.
Matt Schuberg, CFP®Rocket Money vs Monarch: Monarch is better for whole-picture tracking and couples, Rocket Money for cutting subscriptions on a free plan. Here's how to pick.
Matt Schuberg, CFP®Is credit repair worth it? Usually not. Firms charge $79 to $150 a month to file disputes you can file free, and accurate negative marks can't be removed.
