I have a friend I have been helping learn the Dave plan. She is debt free except her car including her paid off house. Her car is pretty newish 0% interest till paid off with only 14 payments left. She has her baby emergency fund and is a single mother. Do you think she should keep the small efund and pay off the car ? Or fund the full emergency fund and keep making the payments ? Paying the car off early saves no money. As a mom myself I lean toward the bigger efund. Opinions ?