<prompt> Human: Im a self employed electrician. I do pretty well but there are fluctuations to my income and there are no company 401ks though my wifes job has one.Ive always been crappy at budgeting, but Ive been getting better, and I wanted to start allocating SOMETHING that would have a return. It was pretty easy to have my auto drafted my mortgage payment take an extra 100 a month and chuck it at my balance. I vaguely remember from a college class that paying a little extra on your house early can have a pretty good impact on your mortgage down the line weve owned our house for 4 years now. So this was a quick path I took.Now Im thinking of starting some actual savings looking ROTH IRA and Im wondering if that 100 a month would be better used going there.Before you say it, yes, I should be able to save more a month. Like I said, Im getting better. Once I take out my last debt Ill be able to save more.Also, Im relatively new to Reddit and there for this sub so Im sorry in advance if this has been asked like 80 times.  <response>: Take a look into some options for self-employed retirement savingsinvestment then its just a case of doing the maths. Using your interest rate and your mortgage terms, how much actual money would you save? Using an actual example savings account, how much could you make in interest? Do the maths, then compare and contrast. 