<prompt> Human: Hi guys,I have recently stumbled across this forum and have been soaking up alot of good advice. I just needed some advice from others on a particular decision.Some general info before I go onMy current salary is 42,300. I am 32 years old.I am currently contributing towards my works 401k 4 and my employer contributes 6I am also contributing towards a 457B plan 4 with my employer also matching that amount.After reading this forum I also opened a Vanguard ROTH IRA and I am trying to make regularly contributions to that on a bi-weekly period not a huge amount at the moment, maybe 50-100 bi-weekly.I also have a mortgage of 130,000 left on a 203,000 home Florida interest rate of 3.8.---Here is my question, the 401k and 457b contributions are not going to change, but should i focus more on extra mortgage payments on my mortgage principal to pay that off early over contributions to my roth ira? Or the otherway round?I know some people in here are alot more clued up on what would be better to do in my situation, so I would really appreciate the input from you guys.PS Forgot to mention I also have an emergency fund of roughly 7,000  <response>: So...if Im understanding this correctly, your contributions to the 401k457b plans including employer contributions amount to 18 of your salary, roughly 7,000 annually, and you are contributing to the Roth at 1250-2500 annually. Given that, if you have extra cash you can put toward something anyway, I would put it in the Roth IRA. You can get it back if you need it later at minimal expense. Paying more on the mortgage will pay off your mortgage earlier, but unless you do enough of those to make it meaningfully earlier, its only a small benefit. In any event, its a cash outlay you wont get any direct benefit of for years.457B is similar to a 401k for public employees, but has some somewhat different provisions. 