Hi all.

I'm getting ready to refi my house. I have 24.5 years left on my second refi of a 30 year. The first was smart and due to rate. The second was stupid and do to debt. I learn from my mistakes and have done very well credit and debt wise since then.

I got a great rate on a 15 year that gets me back to about where I would have been year wise had I never refinanced. Minimal increase to monthly payment ($136).

I pay off credit cards monthly and only use them for rewards.

I have on revolving loan on a car with 3.4 years left (6 year loan). It's at 2.8%, so the interest isn't horrid.

I have near 2 years of emergency fund money.

I really, really want to feel more secure in life and own some things. Paying off my car would still leave me about 1.3 years of emergency fund and leave my last debt of the home. It would free near $500 monthly.

I also contribute to 401K, but don't want to make this about retirement, but more about my goal of owning a car and a home so I can have those two things knocked out.

Is any of that stupid? Please be kind. The car will only save me about 1.8K of interest, but knowing the loan is payed and the house is my only problem remaining would bring me some peace of mind. I'd then like to use that $500 of reclaimed monthly money to fix all the things that are a problem around the house, then throw it at the mortgage after that. I hate to take out ANOTHER loan (ie, home equity) to handle that.

Work is relatively safe.

Thoughts?