<prompt> Human: As my handle says, Ive been a financialdipshit for most of my life. I lived way beyond my means in the past and ignored my personal finances. Following advice found on rpersonalfinance I have been able to get things on track by sticking with a budget using You Need A Budget and consolidating debts onto low or zero interest credit card. That said I feel that Im still behind the eight ball. Heres the situation: - 35 - married with a gross household income of 135,000. - Currently maxing company 401k match - No other retirement investments - Wife has no retirement savings or work offered 401k - 5,000 in emergency savings plus access to a massive line of credit and lots of available credit card room. - 23,000 credit card debt consolidation on a 1.99 card. - 11,000 credit card debt consolidated on a 0 card that jumps to 11 in Sept. 2015. - 3200 personal loan at 8.99 - 12,500 auto loan at 1.74 - 20,000 in student loans at 3.5 - 122,000 mortgage at 3.2After living expenses I still have around 2,600month to throw towards debt. Using that amount I project Ill have the going to be 11 11,000 credit card and the 3,200 personal loan paid off in less than a year. And if I keep up that pace Ill be completely debt free in about six years, assuming the car holds-up. So what do I do after those two higher interest debts are paid? Should I continue towards this goal of being debt free, or should I reduce my debt payments to the minimums since theyll all be below 3.5 and start putting the money into mutual funds, IRA andor other investments? I know I need to catch-up with retirement savings but it just feels so good to finally be in control of my finances. This is a great sub. So thanks in advance! Edited for clarification  <response>: Id pay of all of the credit card debt, and would invest instead of focusing on 3.5 and below debt 