<prompt> Human: Hello,As stated, I grew up low income refugee in America. I was raised to live off of 8hour, how to get the best deals, fight for every penny, etc. However, I never had the opportunity to learn how to manage income, assets, money, etc.Age: 27Job: ContractorConsultant project to project basis - currently working on long term stable projectPay: 65hour 45 hours a week pay - projecting to make 145k this yearChecking: 10kSavings: 2kStocks: 170k portfolio in stocks max out ROTH, company doesnt offer 401k yetOther income: 2 investment properties - 2k profit every month but I only take 1k as the other 1k goes into the additional principle payment for each.Expenses: Rent is 600 150 for utilities and food usually all of this is covered by the 1k takehome profit from the investment propertiesDebt:195k first property 3.8537; interest176k second property 3.8937; interestCar 17k 4.637; interestWhat do I tackle first? My goal was to take my second investment property and pay it down as much as possible to get rid of PMI and I did that this week very exciting. What is next? Do I just keep on keeping on and pay more on investment property principle or do I pay more on car? Or split it between both - possibly 250 additional principle on each property and 500 more on the car every month? I have been working my butt off learning from this subreddit and other places... and I feel like Im getting a good grasp but I want to make sure Im actually managing correctly and moving in the right direction.edit: Any insight or advice is helpful... I dont have anyone to turn to in real life as this type of managing is foreign to my family and these conversations wouldnt necessarily be appropriate with friends. Thank you!Assistant: Youre basically bringing in 125kyear NET and grossing probably closer to 200kyear. Go talk a pro, but I can give you some advice regarding the real estate and debt payoff.Clear that car loan. Any debt over 4 isnt worth having and especially on a depreciating asset like a car. The mortgages on the investment properties arent bad and youre already focused on clearing that with the extra 1,000 towards the principal so either lever up and put that 1,000mo aside for a 3rd property or use it to pay off your debt faster.You already do a backdoor Roth, so good job there. Can you get any other tax-advantage accounts other than a Roth?Human: Backdoor roth? Im doing 5500 if thats what you mean?Ps: I think to get to the point I really was asking how to approach paying off which debt. Thanks.  <response>: You need to worry about it if you make more than 195K married filing jointly to be able to save in Roth. If you are single, the limit is 120K so you may be breaching it already. Please check and ensure you dont save directly in Roth if you are above the limit. 