<prompt> Human: 31 years old, my current retirement situation is: Traditional IRA: 105,000 rolled over 401k from previous job Roth IRA: 6,000 recently opened, plan to max out every year 401k with current job: 28,000The debt situation is: Mortgage, 3.75, long time left. Car: 1.7, about a year and a half left Student loans: Principal of 62,000 5.615 variable APR, about 10 years left, refinanced through SoFi a few years agoE-fund is well funded with around 3 months of expenses. I am currently contributing 17 to my 401k which is close to max out, but not quite - I was planning on increasing it to max out about 20 for me. But, with almost 140k already stashed away for retirement at 31, I think Im doing pretty well, would it be a better idea to cut my contributions down to 6 Company matches 50 of 6, so I would get the full company match and putting the rest towards the student loans? I would still max out the Roth every year, and I dont contribute to the traditional since I make more than the income limits for deducting contributions.  <response>: Id say reduce the contribution to 6 to get the employer match. 5.6 is more than I would expect for an ROI on low to moderate risk investments.As a general rule, I like paying off debt over 4 interest rate over saving. But Ill save over paying off debt at or under 4. 