First, have an emergency fund. Afterwards, consider the fact the stock market will get you 6-10% with index funds or blue chip technology stocks (Microsoft, Apple, Amazon, Google; Facebook might be good as well, since it recently took a decent tumble). So, anything that costs you more than 6-10% you need to pay off first (credit card debt), anything below 6-10% you should just pay on schedule (if you have an auto at 3%, that's very cheap money, doesn't make sense to pay faster than the schedule), so take whatever remains after the high interest loans are paid and put the money in the market.
