<prompt> Human: Context- I just graduated with 28k in student loans in may and have since landed a job with 40k base and up to 12k a year in bonuses. After a few paychecks under my belt I decided to throw a hefty sum of money 2500 at the highest interest rate student loan I have. Luckily I dont have to start paying anything until January but Im trying to pay these off as aggressively as possible regardless. However, my mom wants me to start a Roth IRA. I think it could be useful, but when does it become worth it? I have loans with up to 6 interest, so any money NOT going towards those high interest payments will make me ultimately lose money, right?Am I thinking about this the right away? Is there anything I should be doing that I havent mentioned?  <response>: Your Roth IRA could earn more than 6 annualized, but its not guaranteed. Paying off your 6 interest loan is a guaranteed return improvement of your net worth. You decide based on incomplete information. If you want to hedge, you can do a little of both. What a non-answer that is, I realize.How about this take: Repaying the student loan is a great thing to do. Investing in a Roth IRA is a great thing to do. Neither one is a big mistake. You wont know until after the fact whether it would have been slightly more profitable to repay the loan or direct everything into a Roth. 