<prompt> Human: We have no debt except mortgage 60k remaining from 120,000 and a fully stocked emergency fund. We only have 10k saved in retirement as of now.Should we pack as much as we can into our Roth IRA? 900mo will max out both our funds, but there is some peace in thinking we instead get the house paid off in 3 years and then have the 1,200 plus 500pi to max the Roth and contribute more to our 401k. We are currently matching the 4 from my company.It seems that if my funds beat 3.375 it is smarter to place my money in the market, but is there a psychological advantage to having a paid for house?Assistant: Pay off debt Investing.Id normally say just pay the house off early, then circle back to the Roth, but on this subject its tough. Roth IRA are really great accounts, but they have a low maximum contribution, so every year you dont put something in youre potentially missing out on Tax-free money.But it is still investing. If the market tanks, youll wish you had just paid the house off early.By that logic, the house is the safer bet, but I cant tell you if its the correct choice. A 5050 method might be a decent compromise.Human: Im currently contributing 100 extra on the house each month. If I fully fund Roth that gives me 400 total I can put on the house extra. Its the difference in paying the house in 3 vs funding Roth and paying the house off in about 6. Not as big a difference now that I calculated it this way.Edit: It just hurts putting so much of my extra income in something I get no benefit from for 40 years.  <response>: Id actually argue a Roth IRA is a better investment and will -probably- be better off there in the long run. This of course depends on the interest of your house.Also if you are undecided, consider this following statement. If you pay off your house, you cant go back and put more money in your Roth. But you CAN pull out your contributions to your Roth and pay off your house in the future. Pulling out contributions has no penalty. 