<prompt> Human: We currently have 150,000 saved for retirement 35 yrs old.My husband is putting 1014 employer match into his retirement plan he does not contribute to SSI. I am putting in 52 employer match. In total, we are putting in 15 into retirement. In addition to this, we are putting 400month into kids college, which will increase once they are out of daycare. Plus an additional 500month into savings for general house repairs, car repairs, etc. We have no other debt and have our 6-month emergency fund fully funded. We have an extra 900 in our monthly budget. Should this go into our IRAs 450 each or toward our house to have that paid off in 10 years we recently purchased, owe 200,000 at 4.3?  <response>: This question gets asked every day, just FYI :Statistically youll do better in the market. Practically speaking, you might prefer to have less debt. Its a personal preference. More here: 