<prompt> Human: Hey internet, Im interested in to see what everyones thoughts are. So I only have one debt 100,000 on a house. The loan is a 15 year and 3.5 APR. I just refinanced in January of this year. I have 75,000 in 401k savings currently and put in 800 monthly.Am I better off only putting 400 into 401k and putting the other 400 into the mortgage or leaving it the way it is?  <response>: Retirement 100. You are 30, so every dollar you put in now will likely be more than 10 if you retire at 65. Not to mention you are earning far more than 3.5 in your retirement account and interest rates are only going up. On top of that, you can deduct your mortgage interest on your taxes if you itemize. Seems like a no-brainer to me. 