<prompt> Human: Last year, I was able to max out my 401k, HSA and dependent care FSA, and this year I expect that Ill be able to do the same. Question is, once thats done, do I use extra money to pay down my student debt? Or do I start saving for a down payment on a house some day? My student debt has a relatively low interest rate 3.50 fixed, but none of my savings in taxable accounts earn income.How do I balance between paying debt down now versus saving for the future?Thanks!EDIT: forgot to mention that I already have a pretty solid emergency fund also. Im really talking about assets that are in excess of the emergency fund.  <response>: pay off the student loan debt as fast as you can...then start saving for a house down payment. eliminating debt will allow you to save for the future. 