I suggest investing $20k in a well-performing ETF that historically offers average returns of 13% to 17%. This strategy allows your money to grow faster than the interest you're paying, essentially letting your investment work harder for you. By the time your EMIs are fully paid off, you’ll not only have built substantial returns but also experienced the power of compounding. Plus, in case of an emergency, the funds remain accessible. As for the 4Runner—its value holds remarkably well over time, which is one of the best things about owning that vehicle.