<prompt> Human: This is the financial picture for my wife and I in our early 20s we are both military--- Assets500 Checking2400 SavingsAbout 2000 in TSPCar equity 15000 2 cars--- Debt776 student loan 6.52265 student loan collections 0 9080 Car loan 4.5 2 cars 1 loan1192 Retail CC 25---Our monthly take-home pay after taxes, life insurance, and 200 TSP military version of 401K without matching is 5066.Every month we put 600 into savings and pay 2000 towards debt.Until now it has been an easy decision to pay down the retail credit card at 25 interest and then the 6.5 student loan, but next month we will have to choose whether to pay down the car loan at 4.5 or invest heavily into our TSP.Paying debt at 4.5 is guaranteed 4.5 return, but the L2050 TSP seems to be showing good returns with 25 return last year. I know this isnt realistic for every year, but it seems like a better idea to throw money at our TSP early. I hear the numbers 6-7 thrown around a lot for typical APY for stock investing.Heres TSP historic returns click on L funds and look for L2050Edit: Format  <response>: Take 6 months and just pay off your debt. Youll feel better, you wont have to worry about the decision after the fact, and then you can then start building TSP worry free. 