<prompt> Human: Im a new homeowner bought back in September. I just got a job making 60k up from my previous job making 40k, and I want to know how to allocate about 900 extra per month.My realtor dad is pressuring me to pay down my mortgage early. I think its a better idea to contribute up to the employer match on my Roth 401k which Im already doing, build up my emergency savings, start trying to max out my Roth IRA every year, then maybe pay down the rest of my student loan debt before I even think about tackling the mortgage. Am I right?Details:-I make 60k and share expenses with my boyfriend, who makes 40k-6 employer 401k match 40 of my contribution-8k in a Roth IRA rollover from my previous jobs Roth 401k-6k in emergency savings goal is to bring this up to 15k for 6 months of living expenses-260k owed on 30-year mortgage at 3.99 interest rate-12k left in student loan debt at about 3-4 interest rate. Boyfriend is still in school, but will graduate with about 30k in loan debt.-No credit card debt or car loan. Boyfriend has a small amount of credit card debt under 5k that hes working on paying down.Also, Im young! I try to make good financial choices, but I want to prioritize saving for travel and little upgrades for the house before we settle down and start thinking about kids.Any advicetalking points to tell my dad why Im right if Im right! would be greatly appreciated.  <response>: Am I right?Yes. 