I-bond cashed, now what?

So I would really want you fully funding your ROTH, but is the auto loan the only debt? Is it gonna be common, like every couple years you get a new auto loan so you’re perpetually making payments? That would be a behavioral problem (imo) so I would focus on getting rid of the debt and saving a larger emergency fund so you can buy a car for cash next time.

If you plan to keep the car a long time, pay it off quickly, and don’t have other consumer debt, then fund the ROTH and then focus on paying off the loan.