u/Witty-Ad-6457

I 28 male soon to be 29 in 3 months currently have two debt obligations that I believe would not be considered high interest debt. I currently owe $29k on an auto loan sitting at 6.2%, and have a personal loan about $5k at 6.75%. I do want to note that the car payment does fall within 8% of my monthly gross income, and I did put 20% down but it’s financed for 5 years instead of 3.

Should I prioritize paying these down first before building up the emergency reserves? Or given the interest rate start building the emergency fund and move up on the FOO?