 and a car that i'm leasing those are really the only debts that i have right now and in my bank account let's just say 125 i want to pay off the house and then start putting that money into like the 401k for these next three years but people are like every time when they see money around here it's like no no no i can invest in this i can invest in that so i'm not too sure what i should do should i just wait till i retire then pay off my house