It's always a great time to invest! I'm assuming you have a decent emergency fund, so a taxable account would be the next step. I suggest low cost, tax efficient index ETFs that are different enough from what you hold in you other accounts to avoid wash sales.

Your car loan is under 4% which is low enough that you can just make the payments if you want to invest instead. You can also split the difference - a little extra to the car loan, a little to investments (easier at a brokerage that allows for fractional shares) and even a little extra to savings.