<prompt> Human: I am a software engineer with a MS straight out of college, so my income is pretty solid and due to scholarships Im fortunate enough to be debt free. Ive always been a saver so my parents and I determined that buying a condo over renting would be worthwhile after around a year and I certainly wouldnt be leaving before then, so I bought a condo in Northern Virginia with a 4.25 15y mortgage. Ive been following the advice in the FAQ here, but I am still wondering what I should do considering I already have the fixed investment of a mortgage.I have an emergency fund, but I cannot contribute to my 401k for another 6 months employer rule. I have been paying down my mortgage aggressively, but I am not sure that is a better investment than making minimum payments and investing in something else. I live very frugally and understand that I am ahead of the curve investment-wise, so I am looking to get the best ROI in my situation with the probably goal of retiring early. Is making a Roth IRA still a good idea if retiring early is a goal? I still feel pretty clueless despite reading a lot about saving effectively.Some options I have thought of: Pay down mortgage aggressively Create Roth IRA and invest there HSA payments General Stock investments?I really have no idea, and am looking for any and all advice.EDIT: Thanks for the advice, Im working through it all now. I started a Roth IRA at least and am hoping to max it this calender? yearA bit on my reasons for investing early from a comment: Basically my pov is that right now my costs are fairly low and Im in a great position to save no kids, spouse, etc. so Im looking to make the most of this now. Obviously things can change, but Ill be better off investing now when its easy vs later when its possibly hardIncome is 100k 50mins south of DC relatively cheap CoL area  <response>: Max your Roth out every year. After that, I would probably do a bit of both of more stocks and slightly payoff house 