<prompt> Human: I just started a job and trying to make a plan. After making a budget, I am capable of fully funding both 401k and Roth with about 450 left over after my expenses each month. I have about 65K in student loans where the average interest rate is 4-5. I have an emergency fund set up already.Assistant: Fund enough to get your full company match and throw the rest at the loans.Human: Correct me if I am wrong, but dont you make more money in the long run if your rate of return on investments is higher than the interest rate? I am unsure where inflation is accounted for in here, as in, is the effective return on the loans equal to the loan interest rate inflation? In that case the returns would be very similar but I am unsure if this thinking is correct  <response>: but dont you make more money in the long run if your rate of return on investments is higher than the interest rate?Yes. But keep in mind that the interest rate on your loans is fixed. The rate of return on investments is not. Paying on your loans is more like putting money in a savings account at 5 than investing it at 5.And take it from me, having your student loans paid off brings a lot of peace of mind. 