<prompt> Human: i have a 30 year fixed mortgage at 4.25 for 160,000. any extra money i pay goes towards the principle and there is no fee for paying it off early.i was reading the prime directive and cannot figure where this debt falls. i have a budget, 6 month emergency fund, and am matching my employer contibutuion to my 401k. I have no high interest loans, no IRA, and i barely contribute to my HSA. i am wondering if it is better to go 15 into my 401k, contribute 5500 to a roth IRA, and contribute a little more to my HSA and just pay the minimum on my mortgage... or pay 3 match to my 401k, not open an IRA or contribute more to my HSA, and pay down my mortgage payment.edit thanks for the advice, i got more info from you guys in 18 min than i did from hours of researching. i think leaning into my retirement is the right answer for me IRA and HSA contributing. ill let you guys know how it goes in oh... 35 years  <response>: Youve got the which good thing to do problem. Relax and realize nobody ever wound up destitute making the wrong decision here. Youll be fine whichever you choose. Just strike a reasonable balance, being sure to get the 401k match. I dont like debt, so I might focus a little more on paying down my mortgage. 