<prompt> Human: I am 22 and recently graduated with student loans amounting to 25,000. My current salary is 50,000 with a 401k match of 50 up to the first 6. I am currently contributing 6 to maximize the match. I also contribute to the pension fund and will be vested in the pension in 5 years. Through the pension I will essentially make just as much money, if not more, when I am retired. I fully intend on sticking with the company for my entire career. I like my job, and, if for some reason I change my mind, there are opportunities to move horizontally and vertically within the company. I also have scheduled raises, so I will be making 80,000 in 2 years. I have also been contributing to a Roth IRA, but I am wondering if my unique situation would be better served by investing elsewhere. My thought process is that I have a solid retirement set in place as it is through the pension. Because I have that and the 401k to fall back on, contributing to a Roth IRA seems overly conservative, and I am wanting to invest in something that is higher risk while I am young and do not have many financial obligations. Is my thought process clear? Should I forgo maxing out my Roth IRA and invest in higher risk funds? Should I continue to max out the Roth IRA until I am vested in the pension? Should I not invest any extra income at all and just put it all towards my student loans? EDIT: My student loan with the highest interest rate is 7000 at 5.8. Ive been paying off this one while Im still in the 6 month grace period.  <response>: I would not count on a pension for retirement. This is just my opinion, but they are becoming more and more rare. I would expect to be offered a buyout at some point in the future. I would also expect it to become a forced payout eventually. My point is, dont put all your eggs in this basket. 