<prompt> Human: Im finally beginning to take financial health seriously. Im 28. Yes, I know. Im an idiot. Anyways, I have a 250k mortgage at 3.75, 60k student loans at 5.8 40k at 6.55, 20k at 5.1, and am only starting to research Roth IRA accountshigh-yield rainy day savings accounts, etc. My question is: wherehow should I be concentrating my savings? Specifically, and as the title suggests where my thinking is, should I be paying off the debt exclusively? Should I be paying the debt and contributing to the IRA even if I cant max out the 5,500? Any guidance would be great. Thanks.  <response>: Id be paying off your student loans before making contributions. After that, Id make max contributions to a roth ira and 401k if you have then I would continue to pay off my mortgage with excess. The taxes on investments should be taken into account after you have made contributions to your 401kira because capital gains on a 6 return means youre getting an effective 5 return not including management,trade fees, etc.. I like to be debt free at the expense of a lower return but the 3.75 is at the line for me where the tradeoff isnt going to matter much one way or the other. 