<prompt> Human: So I finished paying off my school loans about 8 months ago. Ive been putting most of the money that was used in the school loans into my mortgage. Im wondering if it would be more beneficial to use that money to invest in a Roth IRA instead.Here are the details of my mortgage:- 85,000-ish left to pay- 4 interest- 30 year plan- 750 minimum monthly paymentSo I guess the question is where the break-even point of Roth-IRAs 5,500 meets money saved on interest. Edit: the extra amount Ive been putting in is like 450-ish. Edit 2: Ok, so this math may not be accurate to how all this is calculated but this was my line of thought:So I have 5,500 that I can invest into either a 1 Roth IRA or 2 my home. 1 5,500 into a Roth IRA with a typical YOI of 7: 5500 X 1.07 5885 or an earning of 3852 5,500 extra into a mortgage. So since Im already paying the normal mortgage rate, that 5,500 all goes to the principal. So compounded interest currently is 85000 X 0.04 3,400 and next year the compounded interest would be 79500 X 0.04 3,180. Thus 3,400 - 3180 220 I guess I should have crunched the numbers before making a post, but it seems that Roth IRA would be the way to go.I suppose if my interest andor principal were higher, the mortgage would be the smarter choice. ...it would be nice to be done with a mortgage by my late 30s though just to have one less bill :P  <response>: The Roth IRA will likely earn you roughly 7 based on historical averages, the mortgage is costing you 4. Whats the break even point you are looking for?Id personally max out an IRA before Id think about contributing extra toward my house. 