<prompt> Human: The way my budget is set up I am fully funding my IRA, I get a 5 match with my 401k though the options are terrible John Hancock, Im fully funding my HSA and set aside a certain amount to transfer to savings each month. I just received a raise that is allowing me to do all of this and still stay afloat. Leftover is a few hundred a month. Should that just go towards paying down debt car or mortgage, etc.  <response>: Please read the information found in the FAQ particularly I Have X ... What Do I Do With It?! and the Long-Term Investing Start-Up Kit You may find Your 401k and You: Basic Information and Your IRA and You: Basic Information worth a read as well. 