<prompt> Human: Ive got a few relatively low-interest debts and I am also investing in both a Roth IRA and a 401k. Ive always thought it is better to invest in the retirement plans as much as possible and just pay the minimum payments on my debts. The reasoning is that my retirement plans will be getting returns around 4-8, while my debts have interest rates of .9 to 4 and Id be making more money in the long run by investing the money.These debts are things like my house 3.375, car 2.49, wifes car0.9, and some student loans 4. The balance of all these together is a couple hundred thousand dollars.Is this logic correct or am I missing something?Basically, should I pay off my debts ASAP or should I continue making the minimum payments and investing as much as possible? Im 29 years old if that helps.Thanks!Assistant: One reason I asked this is because the guy at mrmoneymustache.com treats debt as a deadly poison that must be removed immediately. Maybe he was just talking about high interest debt, though.  <response>: He was talking about high interest, Like credit cards. Low interest usually 4 its better to invest instead, since market average returns are about 6-8 with some risk. 