As for the car loan: low interest rate, upcoming wedding, upcoming house purchase. If the money isn't needed, we can always pay off the loan. More accurately,

As for the car loan: low interest rate, upcoming wedding, upcoming house purchase. If the money isn't needed, we can always pay off the loan. More accurately, I wasn't going to argue with my fiancee over it, and she didn't want me to pay for it before we were married. She was worried about the reliability of her current car (I'd guess mostly needlessly), but since she is a social worker occasionally moving kids around and visiting rough areas, I don't blame her for that part. I paid cash for a 1 year old vehicle 6 years ago.