conversation: User (axavier_choppleton): "Sorry if already posted.\n\nAround 70k per year. \n7% contribution + matching municipal govt retirement scheme (maybe @16k?)\n$3900 yearly to 457b (at 13k~ now)\nHSA @ 6k\nTrad. IRA @ 13K\n7k in checking \nHome mortgage @ 153k, purchased last year.\n\nI can either dump 5.5k+3.4k into HSA and IRA, which bumps my tax return up significantly (1k-1.5k), or I can dump this into the mortgage to pay down.\n\nObviously, reducing tax liability in itself is an awesome bang for the buck, and vanguard index funds are a solid return now too (but for how long?) This will out-earn the interest I'm paying on the house (it's at 3.5-3.75) I think. \n\nBut, is there something to be said to paying off mortgage faster? I'm thinking I should wait until a downturn in the markets to dump funds here.\n\nOther debt is low, 13k car and 10k student loan at 2% and 7%, resp.\n \nSingle, early 30s, no dependents, spergelord so don't foresee any major life changes (for the rest of time). \n\nAdvice appreciated.\n"
  Self: "Hit the highest interest debt.  Why are you considering investing more or paying down the house with you have 7% debt?"
  User (axavier_choppleton): "I see your point but wouldn't investing into HSA/IRA beat this by a solid 2%? I.e. it would cost more to pay down than to invest, right? I might be over looking something. "
  Kahluabomb (Kahluabomb): "You'll have more money to spend on investments if you aren't paying down other non home debts. "
  