guys, i have about 20K saved in an online account, initially planning on using it for a IP deposit. i also have about 13K owing on my car, charging interest of about 12%. question: am i better off taking the 13K from my savings and pay off the car loan or do i just let it stay in the savings account until it gets big enough for an IP deposit. or is it probably better if i use the whole savings to invest in the share market. what better options do i have? busteed.