<prompt> Human: Right now I pay 500 a month on my loans and Ill have my loans paid off soon. I live comfortably and am saving a decent amount so the 500 a month is a sustainable amount for me to pay indefinitely. What is the best way for me to investsave that 500 a month when my loans are done? Im 30 and dont have any investments or retirement savings so I was wondering if opening a Roth IRA and putting it all in that is best or should I be looking to only put part of it into one and do something else with the rest?Thank you  <response>: Congratulations! After you make your last payment, and have the documents in hand to prove it - treat yourself. Has there been a restaurant you wanted to check out but havent because of the cost? Go there. Then...Take a look at your finances. Any other debts? Might be a good time to attack those with this extra 500 a month. No debt? Take a look at saving that money away somehow.Most importantly though is to enjoy that you are done with a debt. Enjoy that. Celebrate it. It is too easy to get caught up in the whats next? stuff in life and not take the time to enjoy where you are right now. 