what's the interest rate? if its under like 5 or 6% why pay it off. if SHTF then why care?

You know that jews brought you jazz?

So quit defending jazz (Henry Ford lets these jazz inventors have it right between they eyes).

Just because it was 'in the past' is no excuse to defend it, feel me?

Might as well throw your hat in with National Geographic saying that a kid taking a shower in a cow's urine was just a 'cultural thing.'

Add up your remaining payments and minus the $6,000 left from that number to find out what your real interest is. Then ask yourself if it is worth that interest to have the payments spread over a number of years.

Also, depending on the condition of your vehicle. If it has a lot of miles on it and is in rough shape, if it broke down before you paid it off would you be pissed? Is it time to trade it in for something new or do you keep a vehicle forever and repair it as you need it?

If the banks fail, fuck em.

All good ideas, except for the wolf. Wtf you want a wolf for? If you get a wolf, you need 2, a male and a female. I had a buddy who had a pair. The female died. After that, the male would blast through the fence and be gone for weeks on end.

Intimidating looking, sure. For protection, or even a early warning system, not so much. If you want a dog for security, get the dumbest breed you can find, pitbull. If you don't like pits, get a chow chow mutt. Jmo.

Okay no apostrophe was needed after the noun 'banks' but I really do not care.

Also I do (NOT lol, edited) appreciate the boomer hate I sometimes see on here.

Also, when the civil rights and integration passed I was in grade school you feel me?

That was the so called 'greatest generation' that did that.

We boomers was the greatest actually because you know, Woodstock and stuff.

Invest in cocaine

You cannot cancel the insurance your loan requires unless you pay off the loan, period. If the banks fail, you might be better off on a loan anyway. Below I will give you the most concise course of options you have. These are them, short of breaking laws or doing really strange, unconventional shit, this is what you got

You have to check into your contract for making this decision. Depending on the contract, you may or may not have to crunch some numbers.

First, you call the owner of your loan and ask if there is a penalty for paying off your loan early (check your copy of the contract, you don't need to ask if it's obvious,) It is a common thing in loan contracts.

IF there is no penalty, pay it off now, and you save money. Done deal.

IF there is a penalty, you need to figure out if the fee is greater or less than what you save on interest by paying it off. The loan agent should be able to tell you this, but if not, you can use an online calculator for loans to get a rough estimate. Just set it to the $6k, your interest rate with no down payment, and the remaining months on your loan.

Alternatively, you can research 'time value of money,' and try to find an investment that would earn you more money off the $6k than the loan would make. That option is more of a gamble though, and you would likely lose if your are not a seasoned investor, not gain.

Edit: If you pay it off, it would be smart to continue the payments into a savings or investment. You don't get large sums of money thrown into your lap often. Treat it like it almost never happened. Pay your credit cards mostly off before a vehicle. Then use about %20 of your credit cards each month, and pay them off by the date that your provider says will avoid the interest charge. If you do this, I promise your credit will grow fast. Once your credit gets in the 700s, or if it is there already, buy a home. Don't go crazy with the home, look for something that will have payments lower than your current rent. If you play it right, your credit will be gold when the market drops.

I've paid off my SUV and put money into it for 4x4/living off grid with it. Such as, rock sliders front and rear bumper protection, recovery equipment, lighting, tires, camping gear, clothes etc. I plan on keeping it and repairing as I go, I do not want another car payment again. I expect to get another 20 years out of this at the rate I drive.

I've made sure all my critical items I need taken care of such as medical, vehicle, gear, food etc.

I would consider trading in your truck and buy a 2-4 year old SUV/truck for 30k if you can find one and with the money left over from the trade, reinforce it and plan to live out of it if needed. I'm looking at a small plot of land that allows me to live off it in a tent, grow food, rain catchment etc but deep down I think being mobile is the way to go.

I don't think the banks are going to repo your truck overnight but they may demand full payment of the loan or another bank will just buy the failed banks assets and transfer your loan over. It's best to not owe anything to anyone though IMO and never buy vehicles new.

Pay off the truck. Depending on the condition of the truck, mine is 25 years old and has lots of hail dents so I only carry the minimum insurance I'm required to have. Also, get a fuel efficient car for running around town for groceries, etc. Lots of food with long shelf life, that you will eat and replace as you eat it. Buy a freezer and fill it with meat, it won't get any cheaper. Guns. As many as you can store, their value increases daily. And plenty of ammo. Handy fixing things? Buy good tools, even gardening tools. They won't get any cheaper, either. Got back up power for the house? Generator and plenty of gas cans to keep filled. Or you can go to Vegas and see if you can turn that $75K into millions.