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Im 30, have about 80k in student loans @ 3.5% interest. I brought home about 110k last year, but thats with alot of OT, and I have the added expense of living in Manhattan.

My salary puts me at about the spot where I am allowed a lesser amount to put into a Roth (I think?). I dont own a home, but do have a car that is parked back with the parents. Ive got 12k in the bank plus 3k in a scottrade account.I could have alot more, but Im not terribly disciplined with saving, so I'd rather direct deposit 300-500/month into the IRA.

Or should I be putting this extra cash towards my loans? Im putting paying $500 a month rather than 380 on the loan (another 180 is automatically deducted).

I'm thinking If I could place 80% of my IRA into something stable with dividends like MO, than place 20% or less into a more aggressive rule breaker like MAKO or BIDU, I could possibly attain more than the interest amount annually on my loans...

thoughts on whats best? thanks in advance.
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