<prompt> Human: Here is how Im prioritizing the distribution of our household income:1. Max 401k has 50 employer matching1. Max IRA1. Save 1 months worth of bills I have enough access to credit to handle worse scenarios1. Pay down 10.75 loan1. Pay down 2.88 loanIt seems like with the 50 employer matching, it makes sense to put the 401k as first priority.It seems like the 2.88 interest is low enough to make it a lower priority than the IRA.My biggest question is about the IRA vs 10.75 loan. Im not too sure how the long-term benefits of having more in an IRA earlier vs less debt sooner plays out.What are your thoughts on this?  <response>: My biggest question is about the IRA vs 10.75 loanNot a question. Do you expect a 10.75 return on your IRA? No. That 10.75 debt is despicable. Pay it off immediately. I agree you should hit employer match on 401k first and only--forget about maxing the 401k, then pay that 10.75 loan asap. 