<prompt> Human: Heres my current situation: 28 years old 80kyear income 205k owed on mortgage 3.25 15 year, 13.5 years until paid off 18k owed on car loan 1.89 5 year, 5 years until paid off 125k in 401k 50k in Roth IRA 30k in brokerage account also functions as emergency fund with cashliquid investments 385k house owned by me. Two renters live with me paying 1,125month. This income is not included in my salary listed above.I dont see a point in paying off the mortgage or car loan off early since the rates are so low. I currently max out the 401k and IRA each year so 17,500 and 5,500 respectively and save anything extra in my brokerage account usually around 5-10k. Im planning on selling the house and moving in with my gf within a year or so.I guess Im just kind of wondering if it makes sense to keep maxing out the 401k in particular since I wont be able to reasonably access that money until Im 57. Im assuming that if I keep saving like I am that Ill probably be able to retire much earlier than that.  <response>: NO! The one point that I would make is that if you have any government bonds in your brokerage account, it might be better to pay off your mortgage. No point in investing money in 15 year treasuries at 3 if you could earn 3.25 by paying down your mortgage. However, this does not take into account that your brokerage account is also functioning as your emergency fund. 