<prompt> Human: I just paid off my last student loan this month. After the holidays, I plan on putting the loan payments into either my mortgage or more into retirement. I wanted to ask you all which would be the better choice. Here are some facts about me and my accounts:- Im a 29 year old male- Have about 20K in retirement started a little late- Have a 278K, 30-year mortgage with 3.25 rate- Saving about 8K a year in a company 401K at the moment- Already have a decent emergency fund for house repairs and well, emergenciesI was making student loan payments of about 700 a month to pay them off as soon as possible, and do not want to have that extra money around. I will also probably be getting a 300 a month raise soon as well. Would you recommend putting the 700 all into retirement, all into the house or some split? What about the extra 300 assuming that I do get the raise?  <response>: If you have a stocked emergency fund, target your 401K and trying to max it. 