<prompt> Human: Obviously id run the risk of owing the IRA at the end of the year, but i got back almost 6k last year after deductions, and i only put into it 1300. Any reason i shouldnt be using this money to paydown debts faster?Assistant: Now, the question is, should i use this money to pay down debts, or throwit into a low-risk fund  <response>: Pay down debts. 