<prompt> Human: I currently have a mortgage with 4.5 interest on 259,000 loan. Already switched to biweekly payments. I dont currently have a 401k. Employer offers 1 matching.Ive determined that I can afford 200 month to do something for my future self, but I dont know what it should be I have no other debts, only mortgage - do not carry CC balance, no other loans etc.  <response>: Already switched to biweekly payments.Read the fine print as certain mortgage servicers will just hold your payments until the monthly payment is received in full. I dont currently have a 401k.Red flag there. Do you have any retirement savings?Employer offers 1 matching.Then contribute at least this 1. 