<prompt> Human: My student loans are paid off! It feels good to be done with them. I graduated college with 28,000 in loans and it took a few years before I could make any progress on them. At this point, my only remaining debt is my mortgage at 3.75.For context, Im 28 and I make 50,000year. Ill be able to max out my IRA for the first time this year 5,500, right? and then I think Ill have to explore opening a taxable investment account because Ill have more money to invest. I have access to a SEP-IRA through work but not a 401k. If you have other ideas for what to do with the extra cash flow, please let me know. I could pay off my mortgage sooner, but Id like to add to my retirement accounts as much as possible.  <response>: Great job tackling your debt, very motivating as I just made my first payment towards my 22k in student loans.cant see the light from here yet but Im going to keep aggressive approach. 