<prompt> Human: Hey everybody,I started my first real job this year with a annual salary of 52000, but started work in June so I made about 25k in 2014. This year I will be getting married, and my fianceefuture wife will be starting a similar job situation - i.e. I will have a full year at 53k Ill get a raise and shell have a half-year for a total income of around 78k.In 2014 I paid zero income tax because I live in a state with no income tax, and the paltry amount of federal tax was all refunded through the Lifelong Learning Credit. Because I knew my tax rate would be nil, I put 1500 into a Roth IRA and did not deposit into my non-matched 403b at all. I also made about 6000 of student loan payments with interest rate 2.75.For some further background info, I have 92k student loans remaining, and my fiancee will have 140k when she graduates school in June. Her loans are 5.4-6.8. Shell qualify for the Lifetime Learning Credit next year which reduces our tax burden significantly.Our student loans are both from med school, so the figure is large in comparison to our current income, but we can count on a big income increase after 3-5 years of residency.So it seems like I have a big pile of options. Should I...? 1. Continue to deposit into Roth IRA, ignore 403b, and pay into our individual loans from our individual paychecks? 2. Pay only the minimum on my loans, throw tons of money into her loans, and only put enough into the 403b to get us into the 15 tax bracket? Thats about 4000. Probably would have to ignore the Roth IRA. 3. Try to max the Roth IRA, ignore 403b, and aggressively pay loans? 4. Some combination of the above, or a different plan altogether?Assistant: which reduces our tax burden significantly. With 232k of Student Loans you need to just make a quick emergency fund and then take out those loans asap because that is far more burdensome than tax.Human: I guess the way I think about it is that if I put 4000 into 403b, it returns 10 because that is how much marginal tax rate Ive saved going from 15 to 25 bracket. Maybe my logic is a little... convoluted?  <response>: No. Your logic is solid. Its a just a lot of people in this sub see things in very black and white terms. To them all debt is bad and thats it.If your interest rate is 2.75, you basically have free money at the moment. If theres any employer match for retirement funds, you should contribute at least that much. 