<prompt> Human: I am a 36 year old college professor who was recently tenured and promoted. Luckily, I just paid off my student debt of 36,000 this year. I make 64,500 and have no debt other than my 15-year mortgage payment of 1,075. I currently have 13 years remaining on a balance of 117,000. Currently, I have 10,000 in an emergency fund, 6,500 in savings, and 30,000 in a Roth IRA. I put 350 per month in my Roth, and save 500 a month in my savings account. Furthermore, my university will offer me a pension when I retire of 75 of my highest five years worth of salary. In addition, I have other teachingconsulting opportunities which usually give me an extra 5,000 per year. What do you think would be the best thing to do with my moneysavings?Some of my thoughts were:1. Max out my Roth IRA and forget about saving 500 per month maybe only saving 400.2. Keep things status quo and increase my Roth IRAsavings as I earn raises over time3. Pay an extra 100 - 200 per month on my house payment so that I pay less interest and pay off the loan quicker Currently, though, I have an unbelievable 2.5 interest rate.4. Put all money that I make outside of my salary into savings or on the houseI realize much of this may be personal preference, but I would appreciate your opinions and advice. Thank you.  <response>: I am a 36 year old college professor who was recently tenured and promoted. Congratulations.Have you read through the information found in the FAQ particularly I Have X ... What Do I Do With It?! and the Long-Term Investing Start-Up Kit You may find Your 401k and You: Basic Information or a 403b, if your employer offers one and Your IRA and You: Basic Information worth a read as well.Pay an extra 100 - 200 per month on my house payment so that I pay less interest and pay off the loan quicker Currently, though, I have an unbelievable 2.5 interest rate.At 2.5 I would not be in a hurry to pay down the mortgage, unless the interest rate is set to rise drastically very soon like if its an ARM or something. 