I’d send it straight to Fidelity or whatever your investment company is. But about the car. I haven’t had a car payment since I was 19. I got my car at 18 new so I could get a loan. Not an expensive car. Paid more to get it paid off. But also started with an index fund $25 per month. Once I got rid of the note I upped the index fund account by the amount of my car payment and have bought a relatively newer used car since. I have lowered the amount saved for my new car by a lot by paying cash for a newish used cars. Good luck.
