<prompt> Human: HiI graduated from a professional graduate school about a year ago and took a 120k salary job that offers no 401k. So its been almost a year since I started working here and I still have about 240k in student loan debt 120k in private with 4.9 interest rate and 120k in federal with interest rate ranging from 3.16.9. Ive been paying down my student loan aggresively for the past few months about total monthly payment of 5k and was wondering if there is any good way that I can start investing for retirement. Many people have recommended me about Roth IRA but the thing is Ive worked so much overtime this year that I will not be eligible for Roth IRA. Also, should I just keep paying down my student loans aggressively or start investing a small portion of my salary?  <response>: You should still be able to do a backdoor Roth IRA, no matter your income. IMO, I would pay down the high interest debt first probably debt above 5, then begin to save after that. 