<prompt> Human: So I just got a raise, which amounts to 220 per month in my pocket. My original plan was to start putting 100check bi-weekly checks into my companys roth 401k. Im already contributing 1537; to the regular 401k but thought it might be good to have some money in a Roth as well. I got a late start on retirement planning and only have about 30k in my account.I also have about 130k in debt between the house 3.12537;, student loans 3.37537;, and car 2.0137;. Ive set a personal goal of being debt free by October 2025 45th birthday. This goal was based on extra income from Airbnb but that is on hold right now due to a leaky roof in the airbnb room. I do expect that to be resolved eventually, but insurance companies suck.I have 18,975.50 in student loan debt. If I took the extra 200 and put it towards the student loans it would shave 4 years off the loan. I would then apply those payments to the house car will be paid off by then. I just cannot decide if I am better off putting extra towards retirement now or getting myself completely debt free as soon as possible and then maxing out my retirement options.  <response>: Follow the Prime Directive. Your debt is all pretty low interest, so mathematically you will benefit more from investing additional money and paying down your debt on schedule, but if having debt makes you stressed, it can be psychologically beneficial to focus on paying it down more quickly. 