<prompt> Human: Explain like Im 5: Is it better to pay 100month more toward a mortage with a 4.25 fixed interest rate, or toward a retirement that pays 4 interest? And why?My simple math skills says that its better to pay money toward whichever payscosts the higher percentage, whether that be an expensedebt or retirement. However, a financial adviser said to me in passing that its not always better to do that for some reason. I dont know what that reason is.I would personally prefer to have more debt paid off, in case of financial hardship - itll be easier to navigate. But I dont understand the math, specifically, of how it could possibly be better to put money toward an IRAretirement when I have debt that is at a higher interest rate.Thanks for your explanations!  <response>: I would put it towards retirement because cash is more versatile than a building. 