<prompt> Human: I know I cant do a roth ira because my income is too high first world problems, but should I start putting money into my companies 401k andor traditional ira? I am 25 and just started as a pharmacist mananger earlier this year. Should I funnel money into my loans or try to max the 401k and ira? Thanks  <response>: Depending on your interest rate, I dont see the point in IRA with the mountain of debt over you. Unless your debt is at a very low rate 3and below , Id put every single penny towards paying it off. Edit: take advantage of employers 401k match if any in full, and put everything else towards your debt. 